Call reports 2008
WOODSVILLE GUARANTY SAVINGS BANK — 2008
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 330,303,000 | 334,511,000 | 336,696,000 | 357,637,000 |
| Total loans | 244,728,000 | 248,853,000 | 264,206,000 | 272,730,000 |
| Allowance for loan losses | 2,329,000 | 2,339,000 | 2,310,000 | 2,688,000 |
| Securities available for sale | 46,566,000 | 48,807,000 | 38,645,000 | 40,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,638,000 | 239,891,000 | 245,284,000 | 261,492,000 |
| Interest-bearing deposits | 205,894,000 | 211,984,000 | 218,151,000 | 234,142,000 |
| Noninterest-bearing deposits | 26,744,000 | 27,907,000 | 27,133,000 | 27,350,000 |
| Equity capital | 26,481,000 | 26,270,000 | 20,843,000 | 22,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,678,000 | 9,364,000 | 14,064,000 | 18,756,000 |
| Interest expense | 2,042,000 | 3,951,000 | 5,823,000 | 7,710,000 |
| Net interest income | 2,636,000 | 5,413,000 | 8,241,000 | 11,046,000 |
| Noninterest income | 445,000 | 942,000 | 1,419,000 | 1,882,000 |
| Noninterest expense | 2,626,000 | 5,307,000 | 8,016,000 | 10,716,000 |
| Provision for loan losses | 22,000 | 37,000 | 52,000 | 445,000 |
| Pretax income | 460,000 | 1,194,000 | -3,280,000 | -3,265,000 |
| Income tax | 42,000 | 192,000 | -131,000 | -1,937,000 |
| Net income | 418,000 | 1,002,000 | -3,149,000 | -1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,350,000 | 26,696,000 | 23,972,000 | 21,594,000 |
| Total capital | 28,729,000 | 29,092,000 | 26,347,000 | 24,347,000 |
| Risk-weighted assets | 220,091,000 | 221,774,000 | 230,698,000 | 234,256,000 |