Call reports 2021
WOODSVILLE GUARANTY SAVINGS BANK — 2021
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 614,110,000 | 603,890,000 | 617,310,000 | 643,355,000 |
| Total loans | 421,675,000 | 415,295,000 | 418,900,000 | 416,505,000 |
| Allowance for loan losses | 5,054,000 | 5,061,000 | 5,073,000 | 5,033,000 |
| Securities available for sale | 95,537,000 | 112,807,000 | 127,828,000 | 184,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,508,000 | 503,781,000 | 516,598,000 | 548,828,000 |
| Interest-bearing deposits | 414,831,000 | 407,991,000 | 415,751,000 | 449,437,000 |
| Noninterest-bearing deposits | 97,677,000 | 95,790,000 | 100,847,000 | 99,391,000 |
| Equity capital | 48,665,000 | 54,206,000 | 54,107,000 | 54,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,670,000 | 8,905,000 | 14,313,000 | 18,844,000 |
| Interest expense | 515,000 | 973,000 | 1,394,000 | 1,804,000 |
| Net interest income | 4,155,000 | 7,932,000 | 12,919,000 | 17,040,000 |
| Noninterest income | 1,032,000 | 2,095,000 | 3,146,000 | 4,105,000 |
| Noninterest expense | 3,942,000 | 8,082,000 | 12,365,000 | 16,857,000 |
| Provision for loan losses | 230,000 | 260,000 | 280,000 | 280,000 |
| Pretax income | 1,075,000 | 1,795,000 | 3,540,000 | 4,225,000 |
| Income tax | 188,000 | 257,000 | 642,000 | 735,000 |
| Net income | 887,000 | 1,538,000 | 2,898,000 | 3,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,176,000 | 53,187,000 | 53,841,000 | 54,628,000 |