Call reports 2014
WOODSVILLE GUARANTY SAVINGS BANK — 2014
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 391,798,000 | 404,051,000 | 393,898,000 | 411,648,000 |
| Total loans | 312,854,000 | 315,257,000 | 312,573,000 | 309,318,000 |
| Allowance for loan losses | 3,062,000 | 3,025,000 | 2,792,000 | 3,214,000 |
| Securities available for sale | 43,957,000 | 50,845,000 | 51,448,000 | 51,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,235,000 | 308,560,000 | 300,754,000 | 318,392,000 |
| Interest-bearing deposits | 265,736,000 | 269,942,000 | 262,863,000 | 273,459,000 |
| Noninterest-bearing deposits | 36,499,000 | 38,618,000 | 37,891,000 | 44,933,000 |
| Equity capital | 38,245,000 | 38,982,000 | 39,470,000 | 40,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,913,000 | 7,936,000 | 11,954,000 | 15,939,000 |
| Interest expense | 746,000 | 1,444,000 | 2,107,000 | 2,730,000 |
| Net interest income | 3,167,000 | 6,492,000 | 9,847,000 | 13,209,000 |
| Noninterest income | 565,000 | 1,134,000 | 1,783,000 | 2,457,000 |
| Noninterest expense | 3,210,000 | 6,505,000 | 9,721,000 | 13,065,000 |
| Provision for loan losses | 50,000 | 200,000 | 350,000 | 250,000 |
| Pretax income | 765,000 | 1,494,000 | 2,226,000 | 3,100,000 |
| Income tax | 115,000 | 220,000 | 324,000 | 521,000 |
| Net income | 650,000 | 1,274,000 | 1,902,000 | 2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,099,000 | 37,510,000 | 37,414,000 | 38,296,000 |
| Total capital | 40,435,000 | 40,818,000 | 40,361,000 | 41,807,000 |
| Risk-weighted assets | 261,578,000 | 265,705,000 | 260,451,000 | 261,380,000 |