Call reports 2015
WOODSVILLE GUARANTY SAVINGS BANK — 2015
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 403,830,000 | 418,596,000 | 428,905,000 | 436,704,000 |
| Total loans | 309,911,000 | 316,992,000 | 326,795,000 | 323,965,000 |
| Allowance for loan losses | 3,061,000 | 2,901,000 | 2,907,000 | 3,048,000 |
| Securities available for sale | 66,474,000 | 64,213,000 | 63,931,000 | 64,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,656,000 | 310,215,000 | 323,303,000 | 325,934,000 |
| Interest-bearing deposits | 268,538,000 | 266,648,000 | 276,558,000 | 280,559,000 |
| Noninterest-bearing deposits | 40,118,000 | 43,567,000 | 46,746,000 | 45,375,000 |
| Equity capital | 40,792,000 | 40,516,000 | 41,171,000 | 39,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,029,000 | 8,004,000 | 12,038,000 | 16,080,000 |
| Interest expense | 601,000 | 1,198,000 | 1,781,000 | 2,357,000 |
| Net interest income | 3,428,000 | 6,806,000 | 10,257,000 | 13,723,000 |
| Noninterest income | 589,000 | 1,259,000 | 1,931,000 | 2,579,000 |
| Noninterest expense | 3,356,000 | 6,699,000 | 9,958,000 | 13,272,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 667,000 | 1,463,000 | 2,285,000 | 3,053,000 |
| Income tax | 93,000 | 202,000 | 376,000 | 501,000 |
| Net income | 574,000 | 1,261,000 | 1,909,000 | 2,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,177,000 | 39,642,000 | 40,069,000 | 38,258,000 |
| Total capital | 42,540,000 | 42,787,000 | 43,045,000 | 41,510,000 |
| Risk-weighted assets | 279,322,000 | 283,361,000 | 282,913,000 | 284,986,000 |