Call reports 2020
WOODSVILLE GUARANTY SAVINGS BANK — 2020
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 504,399,000 | 555,204,000 | 562,772,000 | 590,181,000 |
| Total loans | 391,372,000 | 424,829,000 | 432,728,000 | 422,933,000 |
| Allowance for loan losses | 3,978,000 | 4,031,000 | 4,361,000 | 4,818,000 |
| Securities available for sale | 68,362,000 | 66,703,000 | 68,456,000 | 88,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,914,000 | 432,947,000 | 457,380,000 | 481,595,000 |
| Interest-bearing deposits | 336,224,000 | 353,858,000 | 362,752,000 | 398,694,000 |
| Noninterest-bearing deposits | 55,690,000 | 79,089,000 | 94,628,000 | 82,901,000 |
| Equity capital | 48,925,000 | 49,354,000 | 49,651,000 | 49,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,794,000 | 9,431,000 | 14,339,000 | 19,351,000 |
| Interest expense | 778,000 | 1,465,000 | 2,114,000 | 2,730,000 |
| Net interest income | 4,016,000 | 7,966,000 | 12,225,000 | 16,621,000 |
| Noninterest income | 821,000 | 1,635,000 | 2,873,000 | 4,097,000 |
| Noninterest expense | 3,831,000 | 7,782,000 | 11,862,000 | 16,109,000 |
| Provision for loan losses | 60,000 | 150,000 | 480,000 | 930,000 |
| Pretax income | 946,000 | 1,700,000 | 2,787,000 | 3,722,000 |
| Income tax | 133,000 | 204,000 | 402,000 | 555,000 |
| Net income | 813,000 | 1,496,000 | 2,385,000 | 3,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,207,000 | 47,375,000 | 47,723,000 | 47,955,000 |