Call reports 2001
WARREN-BOYNTON STATE BANK — 2001
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 88,274,000 | 86,765,000 | 90,177,000 | 90,094,000 |
| Total loans | 54,311,000 | 59,195,000 | 60,110,000 | 61,587,000 |
| Allowance for loan losses | 536,000 | 576,000 | 585,000 | 716,000 |
| Securities available for sale | 27,378,000 | 23,374,000 | 20,713,000 | 20,139,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,931,000 | 70,441,000 | 75,501,000 | 74,657,000 |
| Interest-bearing deposits | 71,053,000 | 65,007,000 | 70,205,000 | 68,368,000 |
| Noninterest-bearing deposits | 5,878,000 | 5,434,000 | 5,296,000 | 6,289,000 |
| Equity capital | 8,300,000 | 8,530,000 | 8,915,000 | 8,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,633,000 | 3,227,000 | 4,807,000 | 6,361,000 |
| Interest expense | 967,000 | 1,849,000 | 2,674,000 | 3,387,000 |
| Net interest income | 666,000 | 1,378,000 | 2,133,000 | 2,974,000 |
| Noninterest income | 73,000 | 140,000 | 214,000 | 302,000 |
| Noninterest expense | 496,000 | 985,000 | 1,494,000 | 2,047,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 250,000 |
| Pretax income | 211,000 | 471,000 | 773,000 | 989,000 |
| Income tax | 56,000 | 127,000 | 211,000 | 267,000 |
| Net income | 155,000 | 344,000 | 562,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,178,000 | 8,367,000 | 8,585,000 | 8,579,000 |
| Total capital | 8,714,000 | 8,943,000 | 9,170,000 | 9,295,000 |
| Risk-weighted assets | 59,970,000 | 62,745,000 | 64,273,000 | 66,058,000 |