Call reports 2019
WOODSVILLE GUARANTY SAVINGS BANK — 2019
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 501,527,000 | 502,268,000 | 506,306,000 | 517,255,000 |
| Total loans | 393,860,000 | 396,255,000 | 395,385,000 | 389,952,000 |
| Allowance for loan losses | 3,837,000 | 3,902,000 | 3,922,000 | 3,920,000 |
| Securities available for sale | 69,800,000 | 68,020,000 | 67,434,000 | 70,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,510,000 | 374,635,000 | 385,406,000 | 393,638,000 |
| Interest-bearing deposits | 330,189,000 | 321,794,000 | 321,167,000 | 338,688,000 |
| Noninterest-bearing deposits | 51,321,000 | 52,841,000 | 64,239,000 | 54,950,000 |
| Equity capital | 46,502,000 | 47,692,000 | 48,549,000 | 48,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,956,000 | 9,892,000 | 14,865,000 | 19,662,000 |
| Interest expense | 813,000 | 1,648,000 | 2,491,000 | 3,318,000 |
| Net interest income | 4,143,000 | 8,244,000 | 12,374,000 | 16,344,000 |
| Noninterest income | 725,000 | 1,622,000 | 2,622,000 | 3,496,000 |
| Noninterest expense | 3,650,000 | 7,516,000 | 11,333,000 | 15,239,000 |
| Provision for loan losses | 30,000 | 120,000 | 195,000 | 195,000 |
| Pretax income | 1,188,000 | 2,230,000 | 3,468,000 | 4,406,000 |
| Income tax | 199,000 | 352,000 | 551,000 | 676,000 |
| Net income | 989,000 | 1,878,000 | 2,917,000 | 3,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,207,000 | 46,710,000 | 47,344,000 | 47,300,000 |
| Total capital | 50,036,000 | 50,497,000 | 51,073,000 | 50,991,000 |
| Risk-weighted assets | 306,209,000 | 302,757,000 | 298,081,000 | 294,949,000 |