Call reports 2005
WARREN-BOYNTON STATE BANK — 2005
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,609,000 | 92,170,000 | 95,889,000 | 97,541,000 |
| Total loans | 61,470,000 | 63,148,000 | 65,725,000 | 65,994,000 |
| Allowance for loan losses | 1,096,000 | 1,101,000 | 1,101,000 | 869,000 |
| Securities available for sale | 23,428,000 | 22,629,000 | 22,510,000 | 22,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,372,000 | 74,157,000 | 79,137,000 | 82,164,000 |
| Interest-bearing deposits | 67,210,000 | 66,456,000 | 71,688,000 | 73,057,000 |
| Noninterest-bearing deposits | 7,161,000 | 7,701,000 | 7,449,000 | 9,107,000 |
| Equity capital | 10,610,000 | 10,903,000 | 10,991,000 | 10,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,223,000 | 2,470,000 | 3,780,000 | 5,144,000 |
| Interest expense | 399,000 | 841,000 | 1,342,000 | 1,892,000 |
| Net interest income | 824,000 | 1,629,000 | 2,438,000 | 3,252,000 |
| Noninterest income | 156,000 | 292,000 | 426,000 | 554,000 |
| Noninterest expense | 641,000 | 1,323,000 | 1,992,000 | 2,719,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 333,000 | 586,000 | 854,000 | 1,064,000 |
| Income tax | 114,000 | 203,000 | 289,000 | 356,000 |
| Net income | 219,000 | 383,000 | 565,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,580,000 | 10,745,000 | 10,927,000 | 10,739,000 |
| Total capital | 11,430,000 | 11,608,000 | 11,825,000 | 11,608,000 |
| Risk-weighted assets | 67,840,000 | 68,778,000 | 71,614,000 | 72,213,000 |