Call reports 2007
WOODSVILLE GUARANTY SAVINGS BANK — 2007
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 295,415,000 | 309,957,000 | 315,259,000 | 320,892,000 |
| Total loans | 225,842,000 | 230,698,000 | 240,221,000 | 235,651,000 |
| Allowance for loan losses | 2,426,000 | 2,434,000 | 2,456,000 | 2,423,000 |
| Securities available for sale | 42,919,000 | 47,235,000 | 49,096,000 | 53,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,978,000 | 232,566,000 | 229,975,000 | 228,133,000 |
| Interest-bearing deposits | 199,538,000 | 203,920,000 | 202,352,000 | 202,833,000 |
| Noninterest-bearing deposits | 25,440,000 | 28,646,000 | 27,623,000 | 25,301,000 |
| Equity capital | 25,347,000 | 25,330,000 | 26,109,000 | 26,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,213,000 | 8,678,000 | 13,284,000 | 17,941,000 |
| Interest expense | 1,775,000 | 3,688,000 | 5,699,000 | 7,769,000 |
| Net interest income | 2,438,000 | 4,990,000 | 7,585,000 | 10,172,000 |
| Noninterest income | 466,000 | 962,000 | 1,454,000 | 1,903,000 |
| Noninterest expense | 2,408,000 | 4,947,000 | 7,508,000 | 10,133,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 70,000 |
| Pretax income | 576,000 | 1,163,000 | 1,754,000 | 2,213,000 |
| Income tax | 95,000 | 177,000 | 278,000 | 290,000 |
| Net income | 481,000 | 986,000 | 1,476,000 | 1,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,346,000 | 25,465,000 | 25,955,000 | 26,256,000 |
| Total capital | 27,833,000 | 28,022,000 | 28,537,000 | 28,786,000 |
| Risk-weighted assets | 195,224,000 | 201,142,000 | 208,805,000 | 212,869,000 |