Call reports 2002
WARREN-BOYNTON STATE BANK — 2002
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 89,831,000 | 87,772,000 | 90,087,000 | 89,883,000 |
| Total loans | 59,691,000 | 59,120,000 | 59,773,000 | 60,751,000 |
| Allowance for loan losses | 737,000 | 761,000 | 752,000 | 925,000 |
| Securities available for sale | 21,394,000 | 21,982,000 | 24,038,000 | 21,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,633,000 | 72,001,000 | 73,699,000 | 73,595,000 |
| Interest-bearing deposits | 67,689,000 | 65,013,000 | 67,431,000 | 65,401,000 |
| Noninterest-bearing deposits | 6,944,000 | 6,988,000 | 6,268,000 | 8,194,000 |
| Equity capital | 8,950,000 | 9,387,000 | 9,767,000 | 9,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,459,000 | 2,894,000 | 4,342,000 | 5,813,000 |
| Interest expense | 632,000 | 1,228,000 | 1,799,000 | 2,315,000 |
| Net interest income | 827,000 | 1,666,000 | 2,543,000 | 3,498,000 |
| Noninterest income | 81,000 | 152,000 | 222,000 | 306,000 |
| Noninterest expense | 506,000 | 1,016,000 | 1,545,000 | 2,178,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 310,000 |
| Pretax income | 372,000 | 746,000 | 1,133,000 | 1,319,000 |
| Income tax | 106,000 | 212,000 | 322,000 | 367,000 |
| Net income | 266,000 | 534,000 | 811,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,845,000 | 9,112,000 | 9,390,000 | 9,343,000 |
| Total capital | 9,582,000 | 9,873,000 | 10,142,000 | 10,184,000 |
| Risk-weighted assets | 64,546,000 | 64,458,000 | 66,514,000 | 67,166,000 |