Call reports 2008
WARREN-BOYNTON STATE BANK — 2008
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,355,000 | 100,950,000 | 100,940,000 | 104,773,000 |
| Total loans | 77,324,000 | 76,630,000 | 77,105,000 | 81,202,000 |
| Allowance for loan losses | 837,000 | 828,000 | 829,000 | 963,000 |
| Securities available for sale | 19,832,000 | 19,257,000 | 19,236,000 | 19,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,784,000 | 79,006,000 | 81,127,000 | 86,003,000 |
| Interest-bearing deposits | 73,229,000 | 69,993,000 | 71,762,000 | 75,119,000 |
| Noninterest-bearing deposits | 10,555,000 | 9,013,000 | 9,365,000 | 10,884,000 |
| Equity capital | 12,373,000 | 12,344,000 | 12,711,000 | 12,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,242,000 | 4,812,000 | 6,371,000 |
| Interest expense | 714,000 | 1,334,000 | 1,889,000 | 2,420,000 |
| Net interest income | 943,000 | 1,908,000 | 2,923,000 | 3,951,000 |
| Noninterest income | 225,000 | 452,000 | 708,000 | 860,000 |
| Noninterest expense | 740,000 | 1,507,000 | 2,278,000 | 3,060,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 169,000 |
| Pretax income | 419,000 | 835,000 | 1,326,000 | 1,582,000 |
| Income tax | 145,000 | 287,000 | 457,000 | 536,000 |
| Net income | 274,000 | 548,000 | 869,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,100,000 | 12,378,000 | 12,706,000 | 12,607,000 |
| Total capital | 12,752,000 | 13,027,000 | 13,310,000 | 13,444,000 |
| Risk-weighted assets | 81,730,000 | 83,122,000 | 84,105,000 | 86,959,000 |