Call reports 2011
WOODSVILLE GUARANTY SAVINGS BANK — 2011
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 374,911,000 | 382,591,000 | 376,334,000 | 393,016,000 |
| Total loans | 300,242,000 | 303,844,000 | 303,457,000 | 304,518,000 |
| Allowance for loan losses | 2,728,000 | 4,609,000 | 4,412,000 | 4,549,000 |
| Securities available for sale | 31,544,000 | 37,973,000 | 43,061,000 | 41,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,035,000 | 289,427,000 | 283,099,000 | 296,279,000 |
| Interest-bearing deposits | 258,199,000 | 260,731,000 | 253,970,000 | 266,469,000 |
| Noninterest-bearing deposits | 26,836,000 | 28,696,000 | 29,129,000 | 29,810,000 |
| Equity capital | 33,122,000 | 32,956,000 | 33,431,000 | 33,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,331,000 | 8,728,000 | 13,070,000 | 17,461,000 |
| Interest expense | 1,185,000 | 2,354,000 | 3,488,000 | 4,582,000 |
| Net interest income | 3,146,000 | 6,374,000 | 9,582,000 | 12,879,000 |
| Noninterest income | 491,000 | 1,061,000 | 1,611,000 | 2,205,000 |
| Noninterest expense | 2,914,000 | 5,775,000 | 8,650,000 | 11,574,000 |
| Provision for loan losses | 150,000 | 2,100,000 | 2,400,000 | 2,600,000 |
| Pretax income | 751,000 | -179,000 | 423,000 | 1,218,000 |
| Income tax | 131,000 | -404,000 | -343,000 | -185,000 |
| Net income | 620,000 | 225,000 | 766,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,103,000 | 31,088,000 | 31,149,000 | 31,194,000 |
| Total capital | 35,015,000 | 34,457,000 | 34,305,000 | 34,409,000 |
| Risk-weighted assets | 250,922,000 | 251,743,000 | 251,174,000 | 252,919,000 |