Call reports 2013
WOODSVILLE GUARANTY SAVINGS BANK — 2013
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 381,646,000 | 391,219,000 | 391,719,000 | 402,557,000 |
| Total loans | 298,190,000 | 306,913,000 | 314,100,000 | 311,671,000 |
| Allowance for loan losses | 3,077,000 | 3,130,000 | 3,047,000 | 3,081,000 |
| Securities available for sale | 44,620,000 | 42,669,000 | 44,649,000 | 43,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,780,000 | 302,269,000 | 299,280,000 | 304,074,000 |
| Interest-bearing deposits | 266,581,000 | 269,740,000 | 263,025,000 | 268,660,000 |
| Noninterest-bearing deposits | 32,199,000 | 32,529,000 | 36,255,000 | 35,414,000 |
| Equity capital | 36,690,000 | 36,403,000 | 37,047,000 | 37,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,888,000 | 7,821,000 | 11,902,000 | 15,871,000 |
| Interest expense | 836,000 | 1,636,000 | 2,413,000 | 3,179,000 |
| Net interest income | 3,052,000 | 6,185,000 | 9,489,000 | 12,692,000 |
| Noninterest income | 517,000 | 1,107,000 | 1,757,000 | 2,328,000 |
| Noninterest expense | 3,042,000 | 6,196,000 | 9,337,000 | 12,462,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 400,000 |
| Pretax income | 537,000 | 1,213,000 | 2,014,000 | 3,207,000 |
| Income tax | 69,000 | 181,000 | 337,000 | 554,000 |
| Net income | 468,000 | 1,032,000 | 1,677,000 | 2,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,425,000 | 34,989,000 | 35,578,000 | 36,662,000 |
| Total capital | 37,791,000 | 38,372,000 | 38,983,000 | 40,123,000 |
| Risk-weighted assets | 253,817,000 | 260,267,000 | 262,895,000 | 260,387,000 |