Call reports 2006
WARREN-BOYNTON STATE BANK — 2006
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 97,346,000 | 96,225,000 | 97,899,000 | 95,914,000 |
| Total loans | 65,128,000 | 67,308,000 | 67,030,000 | 67,740,000 |
| Allowance for loan losses | 859,000 | 845,000 | 836,000 | 838,000 |
| Securities available for sale | 24,071,000 | 23,383,000 | 23,616,000 | 21,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,868,000 | 79,258,000 | 80,738,000 | 79,882,000 |
| Interest-bearing deposits | 72,407,000 | 71,721,000 | 71,923,000 | 69,165,000 |
| Noninterest-bearing deposits | 9,460,000 | 7,537,000 | 8,815,000 | 10,717,000 |
| Equity capital | 10,867,000 | 10,942,000 | 11,414,000 | 11,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,830,000 | 4,344,000 | 5,882,000 |
| Interest expense | 574,000 | 1,183,000 | 1,856,000 | 2,544,000 |
| Net interest income | 813,000 | 1,647,000 | 2,488,000 | 3,338,000 |
| Noninterest income | 155,000 | 299,000 | 439,000 | 566,000 |
| Noninterest expense | 640,000 | 1,288,000 | 1,930,000 | 2,688,000 |
| Provision for loan losses | -9,000 | -18,000 | -27,000 | -27,000 |
| Pretax income | 337,000 | 676,000 | 1,017,000 | 1,219,000 |
| Income tax | 114,000 | 226,000 | 341,000 | 402,000 |
| Net income | 223,000 | 450,000 | 676,000 | 817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,962,000 | 11,187,000 | 11,412,000 | 11,294,000 |
| Total capital | 11,793,000 | 11,985,000 | 12,185,000 | 12,076,000 |
| Risk-weighted assets | 70,971,000 | 71,323,000 | 71,858,000 | 71,456,000 |