Call reports 2004
WOODSVILLE GUARANTY SAVINGS BANK — 2004
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 257,278,000 | 264,986,000 | 265,871,000 | 270,555,000 |
| Total loans | 193,527,000 | 198,439,000 | 202,670,000 | 202,907,000 |
| Allowance for loan losses | 1,741,000 | 1,854,000 | 1,722,000 | 1,791,000 |
| Securities available for sale | 37,565,000 | 42,451,000 | 40,531,000 | 42,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,519,000 | 213,041,000 | 208,108,000 | 209,414,000 |
| Interest-bearing deposits | 184,477,000 | 190,585,000 | 185,216,000 | 185,214,000 |
| Noninterest-bearing deposits | 19,042,000 | 22,456,000 | 22,892,000 | 24,200,000 |
| Equity capital | 20,616,000 | 20,609,000 | 21,270,000 | 21,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,450,000 | 6,958,000 | 10,487,000 | 14,053,000 |
| Interest expense | 963,000 | 1,871,000 | 2,788,000 | 3,702,000 |
| Net interest income | 2,487,000 | 5,087,000 | 7,699,000 | 10,351,000 |
| Noninterest income | 353,000 | 734,000 | 1,147,000 | 1,531,000 |
| Noninterest expense | 1,878,000 | 3,849,000 | 5,892,000 | 7,889,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 884,000 | 1,810,000 | 2,763,000 | 3,762,000 |
| Income tax | 308,000 | 593,000 | 908,000 | 1,309,000 |
| Net income | 576,000 | 1,217,000 | 1,855,000 | 2,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,064,000 | 20,599,000 | 21,072,000 | 21,619,000 |
| Total capital | 21,805,000 | 22,453,000 | 22,794,000 | 23,410,000 |
| Risk-weighted assets | 170,530,000 | 173,423,000 | 168,997,000 | 170,518,000 |