Call reports 2018
WOODSVILLE GUARANTY SAVINGS BANK — 2018
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 480,846,000 | 506,382,000 | 504,109,000 | 510,428,000 |
| Total loans | 382,648,000 | 393,376,000 | 400,702,000 | 397,703,000 |
| Allowance for loan losses | 3,639,000 | 3,750,000 | 3,867,000 | 3,867,000 |
| Securities available for sale | 64,006,000 | 63,377,000 | 62,826,000 | 66,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,454,000 | 380,611,000 | 382,789,000 | 388,814,000 |
| Interest-bearing deposits | 324,744,000 | 324,388,000 | 322,103,000 | 330,623,000 |
| Noninterest-bearing deposits | 53,711,000 | 56,222,000 | 60,686,000 | 58,191,000 |
| Equity capital | 43,209,000 | 43,505,000 | 43,981,000 | 45,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,585,000 | 9,276,000 | 14,153,000 | 19,087,000 |
| Interest expense | 535,000 | 1,159,000 | 1,898,000 | 2,647,000 |
| Net interest income | 4,050,000 | 8,117,000 | 12,255,000 | 16,440,000 |
| Noninterest income | 738,000 | 1,551,000 | 2,395,000 | 3,204,000 |
| Noninterest expense | 3,556,000 | 7,227,000 | 10,942,000 | 14,729,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 835,000 | 1,788,000 | 3,313,000 | 4,329,000 |
| Income tax | 105,000 | 244,000 | 512,000 | 661,000 |
| Net income | 730,000 | 1,544,000 | 2,801,000 | 3,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,189,000 | 43,701,000 | 44,587,000 | 45,540,000 |
| Total capital | 46,893,000 | 47,516,000 | 48,517,000 | 49,429,000 |
| Risk-weighted assets | 307,114,000 | 315,137,000 | 314,338,000 | 311,079,000 |