Call reports 2010
WOODSVILLE GUARANTY SAVINGS BANK — 2010
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 361,630,000 | 365,250,000 | 364,339,000 | 387,248,000 |
| Total loans | 290,766,000 | 300,394,000 | 306,877,000 | 305,324,000 |
| Allowance for loan losses | 3,290,000 | 2,398,000 | 2,487,000 | 2,577,000 |
| Securities available for sale | 24,631,000 | 22,767,000 | 22,579,000 | 27,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,731,000 | 269,634,000 | 270,557,000 | 292,914,000 |
| Interest-bearing deposits | 240,036,000 | 244,078,000 | 243,193,000 | 261,316,000 |
| Noninterest-bearing deposits | 23,695,000 | 25,556,000 | 27,364,000 | 31,598,000 |
| Equity capital | 31,536,000 | 31,488,000 | 32,135,000 | 32,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,275,000 | 8,678,000 | 13,171,000 | 17,628,000 |
| Interest expense | 1,395,000 | 2,763,000 | 4,082,000 | 5,336,000 |
| Net interest income | 2,880,000 | 5,915,000 | 9,089,000 | 12,292,000 |
| Noninterest income | 454,000 | 1,010,000 | 1,577,000 | 2,119,000 |
| Noninterest expense | 2,780,000 | 5,614,000 | 8,398,000 | 11,259,000 |
| Provision for loan losses | 260,000 | 410,000 | 560,000 | 710,000 |
| Pretax income | 343,000 | 950,000 | 1,826,000 | 2,239,000 |
| Income tax | -5,000 | 88,000 | 313,000 | 331,000 |
| Net income | 348,000 | 862,000 | 1,513,000 | 1,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,723,000 | 30,379,000 | 30,198,000 | 31,266,000 |
| Total capital | 33,884,000 | 32,832,000 | 32,740,000 | 33,932,000 |
| Risk-weighted assets | 252,728,000 | 256,598,000 | 259,089,000 | 258,310,000 |