Call reports 2006
WOODSVILLE GUARANTY SAVINGS BANK — 2006
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 283,591,000 | 286,568,000 | 288,353,000 | 298,980,000 |
| Total loans | 220,919,000 | 223,873,000 | 226,594,000 | 222,055,000 |
| Allowance for loan losses | 2,229,000 | 2,304,000 | 2,363,000 | 2,393,000 |
| Securities available for sale | 38,602,000 | 37,933,000 | 38,128,000 | 40,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,746,000 | 216,219,000 | 221,498,000 | 228,172,000 |
| Interest-bearing deposits | 185,719,000 | 191,777,000 | 194,968,000 | 198,008,000 |
| Noninterest-bearing deposits | 26,027,000 | 24,442,000 | 26,530,000 | 30,164,000 |
| Equity capital | 23,215,000 | 23,610,000 | 24,388,000 | 24,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,957,000 | 7,995,000 | 12,188,000 | 16,457,000 |
| Interest expense | 1,350,000 | 2,789,000 | 4,374,000 | 6,129,000 |
| Net interest income | 2,607,000 | 5,206,000 | 7,814,000 | 10,328,000 |
| Noninterest income | 447,000 | 887,000 | 1,333,000 | 1,779,000 |
| Noninterest expense | 2,319,000 | 4,670,000 | 7,056,000 | 9,483,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 707,000 | 1,233,000 | 1,790,000 | 2,321,000 |
| Income tax | 145,000 | 182,000 | 219,000 | 242,000 |
| Net income | 562,000 | 1,051,000 | 1,571,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,810,000 | 24,177,000 | 24,628,000 | 25,001,000 |
| Total capital | 26,039,000 | 26,481,000 | 26,993,000 | 27,494,000 |
| Risk-weighted assets | 186,193,000 | 188,543,000 | 189,173,000 | 191,142,000 |