Call reports 2003
WARREN-BOYNTON STATE BANK — 2003
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,596,000 | 86,695,000 | 89,830,000 | 89,426,000 |
| Total loans | 57,767,000 | 57,450,000 | 62,174,000 | 64,549,000 |
| Allowance for loan losses | 933,000 | 942,000 | 951,000 | 957,000 |
| Securities available for sale | 23,530,000 | 22,212,000 | 20,801,000 | 18,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,149,000 | 69,960,000 | 71,022,000 | 71,152,000 |
| Interest-bearing deposits | 64,040,000 | 62,197,000 | 64,507,000 | 62,845,000 |
| Noninterest-bearing deposits | 7,109,000 | 7,763,000 | 6,515,000 | 8,307,000 |
| Equity capital | 9,973,000 | 10,318,000 | 10,443,000 | 10,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,342,000 | 2,652,000 | 3,947,000 | 5,193,000 |
| Interest expense | 456,000 | 888,000 | 1,297,000 | 1,687,000 |
| Net interest income | 886,000 | 1,764,000 | 2,650,000 | 3,506,000 |
| Noninterest income | 76,000 | 142,000 | 216,000 | 280,000 |
| Noninterest expense | 521,000 | 1,060,000 | 1,620,000 | 2,347,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | 432,000 | 841,000 | 1,236,000 | 1,424,000 |
| Income tax | 123,000 | 239,000 | 350,000 | 395,000 |
| Net income | 309,000 | 602,000 | 886,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,664,000 | 9,945,000 | 10,229,000 | 10,164,000 |
| Total capital | 10,482,000 | 10,737,000 | 11,062,000 | 11,037,000 |
| Risk-weighted assets | 65,294,000 | 63,179,000 | 66,561,000 | 69,828,000 |