Call reports 2023
WOODSVILLE GUARANTY SAVINGS BANK — 2023
What WOODSVILLE GUARANTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 653,889,000 | 686,908,000 | 671,966,000 | 684,364,000 |
| Total loans | 467,587,000 | 480,188,000 | 480,849,000 | 480,262,000 |
| Allowance for loan losses | 4,129,000 | 4,104,000 | 4,006,000 | 4,015,000 |
| Securities available for sale | 147,237,000 | 142,873,000 | 134,362,000 | 140,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,895,000 | 578,969,000 | 568,415,000 | 562,404,000 |
| Interest-bearing deposits | 478,069,000 | 480,389,000 | 467,389,000 | 464,914,000 |
| Noninterest-bearing deposits | 101,827,000 | 98,579,000 | 101,026,000 | 97,490,000 |
| Equity capital | 37,639,000 | 36,036,000 | 31,180,000 | 37,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,640,000 | 11,555,000 | 17,935,000 | 24,385,000 |
| Interest expense | 1,263,000 | 3,017,000 | 5,110,000 | 7,308,000 |
| Net interest income | 4,377,000 | 8,538,000 | 12,825,000 | 17,077,000 |
| Noninterest income | 848,000 | 1,718,000 | 2,656,000 | 3,531,000 |
| Noninterest expense | 4,525,000 | 9,222,000 | 13,999,000 | 18,885,000 |
| Provision for loan losses | 105,000 | 24,000 | -60,000 | -87,000 |
| Pretax income | 599,000 | 1,087,000 | 1,634,000 | 1,902,000 |
| Income tax | 92,000 | 126,000 | 195,000 | 180,000 |
| Net income | 507,000 | 961,000 | 1,439,000 | 1,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,028,000 | 57,041,000 | 57,078,000 | 56,903,000 |
| Total capital | 61,404,000 | 61,340,000 | 61,285,000 | 61,099,000 |
| Risk-weighted assets | 374,452,000 | 380,509,000 | 379,793,000 | 379,642,000 |