Call reports 2005
WOODSVILLE GUARANTY SAVINGS BANK — 2005
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 264,239,000 | 271,136,000 | 286,052,000 | 290,047,000 |
| Total loans | 204,941,000 | 213,243,000 | 221,612,000 | 218,005,000 |
| Allowance for loan losses | 1,924,000 | 2,078,000 | 2,172,000 | 2,155,000 |
| Securities available for sale | 41,405,000 | 38,790,000 | 38,514,000 | 36,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,249,000 | 203,928,000 | 208,911,000 | 212,798,000 |
| Interest-bearing deposits | 182,757,000 | 181,167,000 | 182,848,000 | 186,277,000 |
| Noninterest-bearing deposits | 22,492,000 | 22,761,000 | 26,063,000 | 26,521,000 |
| Equity capital | 21,660,000 | 22,256,000 | 22,527,000 | 22,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,562,000 | 7,255,000 | 11,118,000 | 15,077,000 |
| Interest expense | 922,000 | 1,910,000 | 3,094,000 | 4,426,000 |
| Net interest income | 2,640,000 | 5,345,000 | 8,024,000 | 10,651,000 |
| Noninterest income | 352,000 | 775,000 | 1,198,000 | 1,645,000 |
| Noninterest expense | 2,073,000 | 4,185,000 | 6,419,000 | 8,601,000 |
| Provision for loan losses | 160,000 | 320,000 | 427,000 | 427,000 |
| Pretax income | 806,000 | 1,660,000 | 2,458,000 | 3,414,000 |
| Income tax | 263,000 | 549,000 | 793,000 | 1,126,000 |
| Net income | 543,000 | 1,111,000 | 1,665,000 | 2,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,004,000 | 22,467,000 | 22,914,000 | 23,383,000 |
| Total capital | 23,928,000 | 24,545,000 | 25,086,000 | 25,538,000 |
| Risk-weighted assets | 171,824,000 | 169,029,000 | 183,056,000 | 184,301,000 |