Bank call report · Woodruff, SC
Woodruff Federal Savings and Loan Association Call Report
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Woodruff Federal Savings and Loan Association filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 155 reported line items, schedule by schedule (515 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 661474 |
| FDIC certificate number | 29238 |
| Total assets | $104.2M |
Official Q2 2026 call report PDF (FFIEC) →
Woodruff Federal Savings and Loan Association call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (18 items)
About Schedule RC · Woodruff Federal Savings and Loan Association balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $104.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $104.2M |
| Total Liabilities and Minority Interest | RCON2948 | $70.5M |
| Total Deposits | RCON2200 | $69.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $69.0M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $65.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $65.0M |
| Total Equity Capital | RCON3210 | $33.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $33.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $33.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $15.6M |
| Held-to-maturity Securities, Total | RCON1754 | $15.6M |
| Interest-bearing Balances | RCON0071 | $14.7M |
| Other Assets | RCON2160 | $7.2M |
| Other Liabilities, Total | RCON2930 | $1.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $962K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $792K |
| Allowance for Loan and Lease Losses | RCON3123 | $700K |
Schedule RI: Income Statement (25 items)
About Schedule RI · Woodruff Federal Savings and Loan Association income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.3M |
| Total Interest Expense | RIAD4073 | $1.1M |
| Net Interest Income | RIAD4074 | $1.1M |
| Total Noninterest Expense | RIAD4093 | $941K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $766K |
| Salaries and Employee Benefits | RIAD4135 | $435K |
| Other Noninterest Expense | RIAD4092 | $393K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $299K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $283K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $256K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $218K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $184K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $184K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $166K |
| Net Income (Loss) | RIAD4340 | $166K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $166K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $113K |
| Other Noninterest Income | RIADB497 | $73K |
| Total Noninterest Income | RIAD4079 | $73K |
| Applicable Income Taxes | RIAD4302 | $18K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5K |
| Interest on Other Securities | RIAD4060 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 10 |
Schedule RC-B: Securities (6 items)
About Schedule RC-B · Woodruff Federal Savings and Loan Association securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $15.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $14.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $14.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $8.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $221K |
Schedule RC-C, Part I: Loans and Leases (18 items)
About Schedule RC-C, Part I · Woodruff Federal Savings and Loan Association loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $65.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $52.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $36.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $14.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $9.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $594K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $490K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $455K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $431K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $320K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $175K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $108K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $93K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $799K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $243K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $44K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 3 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (18 items)
About Schedule RC-E · Woodruff Federal Savings and Loan Association deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $69.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $69.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $33.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $22.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $21.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $19.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $18.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $11.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $8.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $7.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $2.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.5M |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $6.3M |
| Net Deferred Tax Assets | RCON2148 | $397K |
| Accrued Interest Receivable | RCONB556 | $273K |
| Other Assets | RCON2168 | $172K |
| Prepaid Expenses | RCON2166 | $92K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $69K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $175K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $50K |
| Other Expenses Accrued and Unpaid | RCON3646 | $7K |
Schedule RC-K: Quarterly Averages (9 items)
About Schedule RC-K · Woodruff Federal Savings and Loan Association quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $106.3M |
| Quarterly Average of Total Loans | RCON3360 | $65.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $53.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $41.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $16.8M |
| Mortgage-backed Securities | RCONB559 | $15.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $14.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $12.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $9.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (3 items)
About Schedule RC-L · Woodruff Federal Savings and Loan Association derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $350K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Woodruff Federal Savings and Loan Association memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · Woodruff Federal Savings and Loan Association past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $878K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $816K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $277K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $277K |
| Additions to Nonaccrual Assets | RCONC410 | $111K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $78K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $78K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $62K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Woodruff Federal Savings and Loan Association other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $106.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $69.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $42.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $33.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $19.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,283 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 142 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 51 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (16 items)
About Schedule RC-R, Part I · Woodruff Federal Savings and Loan Association regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $106.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $105.9M |
| Total Assets | RCOA2170 | $104.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $33.7M |
| Retained Earnings | RCOAKW00 | $33.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $33.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $33.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $33.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $6.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $6.7M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $397K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $397K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.3147 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0643 |
Schedule RI-A: Changes in Bank Equity Capital (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $33.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $33.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $33.5M |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Woodruff Federal Savings and Loan Association changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $700K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $700K |
Woodruff Federal Savings and Loan Association call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Woodruff Federal Savings and Loan Association call report?
The Woodruff Federal Savings and Loan Association call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Woodruff Federal Savings and Loan Association file?
Woodruff Federal Savings and Loan Association files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Woodruff Federal Savings and Loan Association call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Woodruff Federal Savings and Loan Association has Federal Reserve RSSD ID 661474 and FDIC certificate number 29238. Either one finds its filings on the FFIEC Central Data Repository.
How often does Woodruff Federal Savings and Loan Association file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Woodruff Federal Savings and Loan Association financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 29238) · FFIEC NIC profile (RSSD 661474)