Call reports 2016
WOODSVILLE GUARANTY SAVINGS BANK — 2016
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 429,986,000 | 444,567,000 | 453,482,000 | 466,016,000 |
| Total loans | 330,457,000 | 342,031,000 | 351,660,000 | 356,844,000 |
| Allowance for loan losses | 2,870,000 | 2,974,000 | 3,082,000 | 3,042,000 |
| Securities available for sale | 64,915,000 | 63,955,000 | 59,544,000 | 58,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,537,000 | 324,970,000 | 332,325,000 | 352,424,000 |
| Interest-bearing deposits | 278,589,000 | 281,063,000 | 281,121,000 | 299,888,000 |
| Noninterest-bearing deposits | 43,948,000 | 43,907,000 | 51,204,000 | 52,536,000 |
| Equity capital | 40,287,000 | 41,080,000 | 41,017,000 | 40,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,014,000 | 8,086,000 | 12,185,000 | 16,369,000 |
| Interest expense | 581,000 | 1,176,000 | 1,790,000 | 2,391,000 |
| Net interest income | 3,433,000 | 6,910,000 | 10,395,000 | 13,978,000 |
| Noninterest income | 612,000 | 1,336,000 | 2,125,000 | 2,940,000 |
| Noninterest expense | 3,435,000 | 6,981,000 | 10,422,000 | 13,784,000 |
| Provision for loan losses | 245,000 | 365,000 | 835,000 | 955,000 |
| Pretax income | 859,000 | 1,516,000 | 2,192,000 | 3,177,000 |
| Income tax | 157,000 | 224,000 | 329,000 | 496,000 |
| Net income | 702,000 | 1,292,000 | 1,863,000 | 2,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,733,000 | 39,031,000 | 39,286,000 | 39,773,000 |
| Total capital | 41,949,000 | 42,438,000 | 42,694,000 | 43,202,000 |
| Risk-weighted assets | 291,410,000 | 300,878,000 | 297,105,000 | 305,796,000 |