Bank call report · Woodsville, NH
Woodsville Guaranty Savings Bank Call Report
Filed for the quarter ended (Q2 2025) on the FFIEC 051. Source: FFIEC Central Data Repository.
BankRegReports is independent of Woodsville Guaranty Savings Bank and never asks for online banking logins or passwords.
Woodsville Guaranty Savings Bank filed its latest call report for the quarter ended June 30, 2025 on the FFIEC 051. Below are its 330 reported line items, schedule by schedule (739 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Woodsville Guaranty Savings Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2025 (June 30, 2025) |
| Federal Reserve RSSD ID | 477303 |
| FDIC certificate number | 18031 |
| Total assets | $669.2M |
Official Q2 2025 call report PDF (FFIEC) →
Woodsville Guaranty Savings Bank call report by schedule, Q2 2025
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 (24 items)
About Schedule RC · Woodsville Guaranty Savings Bank balance sheet trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total assets | RCON2170 | $669.2M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $669.2M |
| Total liabilities and minority interest | RCON2948 | $628.5M |
| Total deposits | RCON2200 | $526.4M |
| Loans and leases, net of unearned income - totals | RCONB528 | $452.5M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $448.7M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $439.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $116.6M |
| Other borrowed money | RCON3190 | $97.0M |
| Deposits, noninterest-bearing | RCON6631 | $86.7M |
| Interest-bearing balances | RCON0071 | $60.4M |
| Undivided profits and capital reserves | RCON3632 | $47.6M |
| Total equity capital | RCON3210 | $40.8M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $40.8M |
| Other assets | RCON2160 | $27.8M |
| Accumulated other comprehensive income | RCONB530 | -$17.3M |
| Surplus | RCON3839 | $10.2M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $9.5M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $6.1M |
| Other liabilities, total | RCON2930 | $5.1M |
| Allowance for loan and lease losses | RCON3123 | $3.8M |
| Common stock | RCON3230 | $194K |
| Intangible assets | RCON2143 | $86K |
| Federal funds sold | RCONB987 | $11K |
Schedule RI: Income Statement (43 items)
About Schedule RI · Woodsville Guaranty Savings Bank income statement trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total interest income | RIAD4107 | $13.6M |
| Interest and fee income on loans, total | RIAD4010 | $10.7M |
| Total noninterest expense | RIAD4093 | $9.6M |
| Net interest income | RIAD4074 | $8.7M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $6.3M |
| Salaries and employee benefits | RIAD4135 | $5.1M |
| Total interest expense | RIAD4073 | $5.0M |
| Other noninterest expense | RIAD4092 | $3.7M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $3.2M |
| Other interest expense | RIADGW44 | $2.0M |
| Total noninterest income | RIAD4079 | $1.7M |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $1.4M |
| Savings deposits (including mmdas) | RIAD0093 | $1.3M |
| Other noninterest income | RIADB497 | $1.2M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $1.1M |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $868K |
| Expenses of premises and fixed assets | RIAD4217 | $860K |
| Interest income on balances due from depository institutions | RIAD4115 | $823K |
| Income (loss) before discontinued operations | RIAD4300 | $648K |
| Net income (loss) | RIAD4340 | $648K |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $648K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $615K |
| 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 | $573K |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $569K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $389K |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $334K |
| Provisions for credit losses on financial assets | RIADJJ33 | $258K |
| Provision for loan and lease losses | RIAD4230 | $251K |
| Other interest income | RIAD4518 | $242K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $226K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $161K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $133K |
| Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S. | RIAD4313 | $123K |
| Interest on other securities | RIAD4060 | $119K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $115K |
| Applicable income taxes | RIAD4302 | -$79K |
| Net gains (losses) on sales of other assets (excluding securities) | RIADB496 | -$77K |
| Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices | RIAD4024 | $10K |
| Realized gains (losses) on available-for-sale debt securities | RIAD3196 | -$8K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$4K |
| Loans to individuals for households, family, and other personal expenditures, credit cards | RIADB485 | $1K |
| Net servicing fees | RIADB492 | -$1K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 110 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · Woodsville Guaranty Savings Bank securities trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale amortized cost | RCONG314 | $5.3M |
| Mortgage-backed securities (MBS), other residential MBS (include cmos, REMICS, and stripped MBS), issued or guaranteed by FNMA, FHLMC, or GNMA - available-for-sale fair value | RCONG315 | $5.3M |
| Total amortized cost of available-for-sale securities | RCON1772 | $139.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $104.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $83.9M |
| 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 | $80.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $24.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $22.6M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $21.8M |
| Pledged securities | RCON0416 | $7.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICS, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $5.3M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $5.0M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $4.9M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those 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 | RCONA551 | $4.2M |
| 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 | $3.0M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $904K |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing of over ffteen years | RCONA554 | $627K |
| 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 three months through 12 months | RCONA556 | $283K |
| 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 three years through five years | RCONA558 | $211K |
| 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 | $81K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months or less | RCONA555 | $45K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Woodsville Guaranty Savings Bank loans and leases trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $452.5M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $286.1M |
| Pledged loans and leases | RCONG378 | $216.2M |
| 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 | $206.5M |
| 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 15 years | RCONA575 | $47.1M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $46.6M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $39.7M |
| 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 | $34.2M |
| 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 one year through three years | RCONA572 | $34.0M |
| 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 | $33.6M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $29.4M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $26.1M |
| 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 | $25.7M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $22.8M |
| Commercial and industrial loans | RCON1766 | $22.5M |
| 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 | $18.4M |
| 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 | $15.8M |
| 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 | $13.4M |
| 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 three months through 12 months | RCONA565 | $10.6M |
| 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 three months through 12 months | RCONA571 | $9.1M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $5.8M |
| Obligations (other than securities and leases) of states and political subdivisions in the U.S. | RCON2107 | $5.3M |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $5.3M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $5.0M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $4.9M |
| 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 | $3.3M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $2.2M |
| Real estate loans secured by farmland | RCON1420 | $1.1M |
| Loans to nondepository financial institutions and other loans, loans to nondepository financial institutions | RCONJ454 | $934K |
| Loans secured by 1-4 family residential construction | RCONF158 | $763K |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $215K |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $100K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| 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 | $24.0M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $8.6M |
| 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 | $8.3M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $4.6M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $3.8M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $1.2M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $318K |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5589 | $215K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $71K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 173 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 74 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 71 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 64 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 38 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 27 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 2 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 1 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (27 items)
About Schedule RC-E · Woodsville Guaranty Savings Bank deposit liabilities trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total demand deposits (see note below) | RCON2210 | $268.7M |
| Total transaction accounts | RCON2215 | $268.7M |
| Total nontransaction accounts (including mmda's) | RCON2385 | $257.7M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $252.6M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $228.4M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $109.3M |
| Total reciprocal deposits | RCONJH83 | $78.1M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $69.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $69.2M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $65.3M |
| Money market deposit accounts (mmda's) | RCON6810 | $51.9M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $46.2M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $36.6M |
| 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 | $36.3M |
| Total time deposits of less than $100,000 | RCON6648 | $29.8M |
| 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 | $29.0M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $20.4M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $20.1M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $14.3M |
| 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 | $10.7M |
| 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 | $9.5M |
| 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 one year through three years | RCONHK09 | $7.4M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $5.0M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $4.9M |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $3.7M |
| 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 years | RCONHK10 | $3.4M |
| 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 | $306K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Life insurance assets, general account life insurance assets | RCONK201 | $11.8M |
| Net deferred tax assets | RCON2148 | $6.2M |
| Historical cost of all other available-for-sale equity securities | RCON1752 | $5.1M |
| Other assets | RCON2168 | $2.8M |
| Accrued interest receivable | RCONB556 | $2.0M |
| Computer software | RCONFT33 | $509K |
| Prepaid expenses | RCON2166 | $449K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| All other liabilities | RCON2938 | $3.9M |
| Deferred compensation liabilities | RCONC011 | $3.0M |
| Other expenses accrued and unpaid | RCON3646 | $840K |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $189K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $151K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Woodsville Guaranty Savings Bank quarterly averages trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $680.0M |
| Quarterly average of total loans | RCON3360 | $450.0M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $290.0M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $154.7M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $121.4M |
| Mortgage-backed securities | RCONB559 | $115.6M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $97.3M |
| Quarterly average of other borrowed money | RCON3355 | $97.0M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $75.9M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $39.8M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $34.8M |
| Quarterly average of commercial and industrial loans | RCON3387 | $25.2M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $19.5M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $5.8M |
| All other securities | RCONB560 | $5.1M |
| Quarterly average of loans to finance agricultural production and other loans to farmers | RCON3386 | $200K |
| Quarterly average of federal funds sold and securities purchased under agreements to resell | RCON3365 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Woodsville Guaranty Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Other unused commitments, all other unused commitments | RCONJ459 | $10.8M |
| Unused commitments - revolving, open-end lines secured by 1-4 family residential properties | RCON3814 | $10.4M |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $9.4M |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $7.0M |
| Other unused commitments, Loans to nondepository financial institutions | RCONPV11 | $3.6M |
| 1-4 family residential construction loan commitments | RCONF164 | $1.7M |
| Unused commitments - credit card lines | RCON3815 | $1.1M |
| Performance standby letters of credit | RCON3821 | $376K |
| Total gross notional amount of interest rate derivative contracts held for purposes other than trading, contracts marked to market | RCON8725 | $195K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Woodsville Guaranty Savings Bank memoranda trends
| Line item | Code | Q2 2025 |
|---|---|---|
| FHLB advances, advances with a remaining maturity or next repricing date of over one year through three years | RCONF056 | $91.1M |
| FHLB advances (loans) due in one year or less | RCON2651 | $5.0M |
| FHLB advances, advances with a remaining maturity or next repricing date of one year or less | RCONF055 | $5.0M |
| FHLB advances, advances with a remaining maturity or next repricing date of over five years | RCONF058 | $974K |
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $585K |
| Estimated fair value of mortgage servicing assets | RCONA590 | $86K |
| Mortgage servicing assets | RCON3164 | $86K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · Woodsville Guaranty Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $654K |
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $562K |
| Loans secured by owner-occupied nonfarm nonresidential properties, 30-89 days past due | RCONF178 | $382K |
| Loans and leases reported in the past due and nonaccrual loans, leases and other assets which are wholly or partially guaranteed by the U.S. government , excluding loans and leases covered by loss-sharing agreements with the FDIC - nonaccrual | RCONK038 | $184K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $178K |
| Loans secured by owner-occupied nonfarm nonresidential properties, nonaccrual | RCONF182 | $167K |
| Commercial and industrial loans - nonaccrual | RCON1608 | $138K |
| Commercial and industrial loans - past due 30-89 days and still accruing | RCON1606 | $132K |
| Guaranteed portion of loans and leases included in item 10, excluding rebooked 'GNMA loans', nonaccrual | RCONK041 | $92K |
| Loans to individuals for household, family and other personal expenditures, automobile loans - past due 30 through 89 days and still accruing | RCONK213 | $83K |
| Loans secured by other nonfarm nonresidential properties, nonaccrual | RCONF183 | $79K |
| Other construction loans and all land development and other land loans, past due 31 - 89 days | RCONF173 | $57K |
| Loans to individuals for household, family and other personal expenditures, other - past due 90 days or more and still accruing | RCONK217 | $4K |
| Total loans and lease financing receivables, past due 90 days or more and still accruing | RCON1407 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Woodsville Guaranty Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $680.0M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $526.5M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $418.8M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $93.4M |
| Average tangible equity for the calendar quarter | RCONK654 | $58.3M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $13.6M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $700K |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 28,522 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 547 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 193 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 2 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Woodsville Guaranty Savings Bank regulatory capital trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve - 100% | RCONB704 | $365.8M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Woodsville Guaranty Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Average total assets (net of deductions) | RCOAA224 | $680.0M |
| Average total consolidated assets | RCOAKW03 | $680.0M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $365.8M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $62.0M |
| Common equity tier 1 capital | RCOAP859 | $58.1M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $58.1M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $58.1M |
| Retained Earnings | RCOAKW00 | $47.6M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $40.8M |
| Accumulated other comprehensive income | RCOAB530 | -$17.3M |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | -$17.3M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $10.4M |
| General loan and lease valuation allowances | RCOA5310 | $3.9M |
| Tier 2 (supplementary) capital | RCOA5311 | $3.9M |
| Tier 2 capital before deductions | RCOAP870 | $3.9M |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1695 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1588 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1588 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0895 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0854 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · Woodsville Guaranty Savings Bank risk-weighted assets trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Total loans and leases held for sale, all other exposures | RCONS431 | $452.1M |
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $365.8M |
| Total risk-weighted assets | RCONG641 | $365.8M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $318.6M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $312.5M |
| Loans and leases held for sale, all other exposures - 50 pct risk weight category | RCONS435 | $311.0M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $205.3M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $204.9M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $162.3M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $162.3M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $159.3M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $158.1M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $131.5M |
| Loans and leases held for sale, all other exposures - 100 pct risk weight category | RCONS436 | $130.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $116.6M |
| Total cash and balances due from depository institutions | RCOND957 | $69.9M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $57.3M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $41.1M |
| Total all other assets | RCOND981 | $34.0M |
| All other assets - 100 pct risk weight category | RCOND985 | $28.0M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | -$26.3M |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$22.5M |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $20.9M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $19.0M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $19.0M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $12.4M |
| Loans and leases held for sale, all other exposures - 20 pct risk weight category | RCONS434 | $11.0M |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $10.5M |
| Available-for-sale securities - 0 pct risk weight category | RCOND967 | $6.5M |
| Unused commitments, original maturity exceeding one year - 50 pct risk weight category | RCONG628 | $6.1M |
| All other assets - 20 pct risk weight category | RCOND983 | $5.0M |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $4.0M |
| Risk-weighted assets by risk-weighted category - 400 pct risk weight category | RCONS575 | $2.4M |
| Available-for-sale securities - 50 pct risk weight category | RCOND969 | $1.1M |
| All other assets - 400 pct risk weight category | RCONS470 | $600K |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 400 pct risk weight category | RCONS564 | $600K |
| Total balance sheet assets - 400 pct risk weight category | RCONS506 | $600K |
| Risk-weighted assets by risk-weighted category - 150 pct risk weight category | RCONS572 | $573K |
| Loans and leases held for sale, exposures past due 90 days or more or on nonaccrual - 150 pct risk weight category | RCONS429 | $382K |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 150 pct risk weight category | RCONS561 | $382K |
| Total balance sheet assets - 150 pct risk weight category | RCONS503 | $382K |
| Total loans and leases held for sale, exposures past due 90 days or more or on nonaccrual | RCONS423 | $382K |
| All other assets - 50 pct risk weight category | RCOND984 | $378K |
| Performance standby letters of credit and transaction-related contingent items - face, notional, or other amount | RCOND997 | $376K |
| Unused commitments, original maturity exceeding one year - 20 pct risk weight category | RCONG627 | $310K |
| Risk-weighted assets by risk-weighted category - 250 pct risk weight category | RCONS573 | $215K |
| Performance standby letters of credit and transaction-related contingent items - 100 pct risk weight category | RCONG605 | $188K |
| Performance standby letters of credit and transaction-related contingent items - credit equivalent amount | RCOND998 | $188K |
| All other assets - 250 pct risk weight category | RCONH293 | $86K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $86K |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 250 pct risk weight category | RCONS562 | $86K |
| Cash and balances due from depository institutions - 100 pct risk weight category | RCOND960 | $82K |
| Federal funds sold in domestic offices | RCOND971 | $11K |
| Federal funds sold in domestic offices - 20 pct risk weight category | RCOND973 | $11K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Total equity capital | RIAD3210 | $40.8M |
| Balance end of previous calendar year as restated | RIADB508 | $38.0M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $38.0M |
| Other comprehensive income | RIADB511 | $2.8M |
| Cash dividends declared on common stock | RIAD4460 | $740K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Woodsville Guaranty Savings Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $180K |
| Charge-offs on commercial and industrial loans | RIAD4638 | $144K |
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $34K |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $8K |
| Recoveries all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK206 | $7K |
| Charge-offs on loans to credit cards | RIADB514 | $2K |
| Recoveries on closed-end loans secured by 1-4 family residential properties, secured by first liens | RIADC217 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Woodsville Guaranty Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2025 |
|---|---|---|
| Allowance for loan and lease losses | RIAD3123 | $3.8M |
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $3.7M |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $180K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $7K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2025 |
|---|---|---|
| Total outstanding principal balance of closed end 1-4 family residential mortgage loans serviced for others plus the total outstanding principal balance of other financial assets serviced for others if more than $10 million | RCONFT12 | $35.0M |
| Total outstanding principal balance of assets sold by the reporting institution with recourse or other seller provided credit enhancements, but not securitized by the reporting institution | RCONFT10 | $3.0M |
Woodsville Guaranty Savings Bank call reports on file
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