Call reports 2012
WOODSVILLE GUARANTY SAVINGS BANK — 2012
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 380,175,000 | 380,074,000 | 375,754,000 | 394,562,000 |
| Total loans | 304,547,000 | 302,854,000 | 306,187,000 | 302,032,000 |
| Allowance for loan losses | 4,656,000 | 3,005,000 | 3,129,000 | 3,133,000 |
| Securities available for sale | 46,056,000 | 42,788,000 | 40,242,000 | 43,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,534,000 | 288,562,000 | 288,165,000 | 306,153,000 |
| Interest-bearing deposits | 259,045,000 | 258,234,000 | 255,834,000 | 271,536,000 |
| Noninterest-bearing deposits | 30,489,000 | 30,328,000 | 32,331,000 | 34,617,000 |
| Equity capital | 34,651,000 | 35,220,000 | 35,782,000 | 36,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,356,000 | 8,623,000 | 12,763,000 | 16,828,000 |
| Interest expense | 1,015,000 | 1,988,000 | 2,940,000 | 3,833,000 |
| Net interest income | 3,341,000 | 6,635,000 | 9,823,000 | 12,995,000 |
| Noninterest income | 606,000 | 1,182,000 | 1,723,000 | 2,273,000 |
| Noninterest expense | 2,931,000 | 5,838,000 | 8,699,000 | 11,587,000 |
| Provision for loan losses | 140,000 | 290,000 | 415,000 | 490,000 |
| Pretax income | 931,000 | 1,909,000 | 2,880,000 | 4,128,000 |
| Income tax | 205,000 | 444,000 | 666,000 | 982,000 |
| Net income | 726,000 | 1,465,000 | 2,214,000 | 3,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,601,000 | 33,075,000 | 32,767,000 | 34,151,000 |
| Total capital | 35,940,000 | 36,199,000 | 35,940,000 | 37,365,000 |
| Risk-weighted assets | 254,116,000 | 251,284,000 | 252,382,000 | 252,317,000 |