Call reports 2007
WARREN-BOYNTON STATE BANK — 2007
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 100,554,000 | 98,314,000 | 101,045,000 | 99,971,000 |
| Total loans | 75,863,000 | 69,758,000 | 70,245,000 | 74,969,000 |
| Allowance for loan losses | 818,000 | 819,000 | 824,000 | 838,000 |
| Securities available for sale | 20,369,000 | 20,774,000 | 21,275,000 | 19,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,427,000 | 80,473,000 | 85,130,000 | 81,944,000 |
| Interest-bearing deposits | 72,589,000 | 71,232,000 | 74,339,000 | 71,698,000 |
| Noninterest-bearing deposits | 9,838,000 | 9,240,000 | 10,791,000 | 10,246,000 |
| Equity capital | 11,625,000 | 11,717,000 | 12,114,000 | 12,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,597,000 | 3,224,000 | 4,819,000 | 6,470,000 |
| Interest expense | 708,000 | 1,477,000 | 2,217,000 | 2,957,000 |
| Net interest income | 889,000 | 1,747,000 | 2,602,000 | 3,513,000 |
| Noninterest income | 185,000 | 348,000 | 502,000 | 671,000 |
| Noninterest expense | 709,000 | 1,373,000 | 2,020,000 | 2,759,000 |
| Provision for loan losses | 0 | 8,000 | 15,000 | 41,000 |
| Pretax income | 365,000 | 712,000 | 1,067,000 | 1,374,000 |
| Income tax | 106,000 | 225,000 | 342,000 | 441,000 |
| Net income | 259,000 | 487,000 | 725,000 | 933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,553,000 | 11,783,000 | 12,019,000 | 11,897,000 |
| Total capital | 12,208,000 | 12,489,000 | 12,726,000 | 12,593,000 |
| Risk-weighted assets | 79,647,000 | 74,464,000 | 75,970,000 | 78,247,000 |