Call reports 2009
WOODSVILLE GUARANTY SAVINGS BANK — 2009
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 354,873,000 | 356,036,000 | 347,367,000 | 371,688,000 |
| Total loans | 273,437,000 | 279,538,000 | 287,560,000 | 287,994,000 |
| Allowance for loan losses | 2,777,000 | 2,781,000 | 2,901,000 | 3,161,000 |
| Securities available for sale | 44,085,000 | 38,032,000 | 32,363,000 | 32,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,217,000 | 258,482,000 | 253,036,000 | 261,596,000 |
| Interest-bearing deposits | 228,714,000 | 233,552,000 | 228,580,000 | 235,625,000 |
| Noninterest-bearing deposits | 24,502,000 | 24,930,000 | 24,455,000 | 25,971,000 |
| Equity capital | 29,648,000 | 30,145,000 | 30,961,000 | 31,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,600,000 | 9,221,000 | 13,687,000 | 18,077,000 |
| Interest expense | 1,770,000 | 3,543,000 | 5,082,000 | 6,541,000 |
| Net interest income | 2,830,000 | 5,678,000 | 8,605,000 | 11,536,000 |
| Noninterest income | 424,000 | 903,000 | 1,402,000 | 1,870,000 |
| Noninterest expense | 2,800,000 | 5,769,000 | 8,657,000 | 11,243,000 |
| Provision for loan losses | 90,000 | 190,000 | 310,000 | 600,000 |
| Pretax income | 276,000 | 907,000 | 1,289,000 | 1,845,000 |
| Income tax | 13,000 | 148,000 | 66,000 | 117,000 |
| Net income | 263,000 | 759,000 | 1,223,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,127,000 | 29,633,000 | 30,584,000 | 30,765,000 |
| Total capital | 31,969,000 | 32,479,000 | 33,550,000 | 33,786,000 |
| Risk-weighted assets | 238,673,000 | 245,113,000 | 239,920,000 | 241,474,000 |