Call reports 2009
WARREN-BOYNTON STATE BANK — 2009
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 102,839,000 | 102,581,000 | 105,677,000 | 107,969,000 |
| Total loans | 77,969,000 | 77,590,000 | 78,904,000 | 82,817,000 |
| Allowance for loan losses | 1,082,000 | 931,000 | 973,000 | 875,000 |
| Securities available for sale | 18,470,000 | 18,310,000 | 20,231,000 | 18,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,990,000 | 83,878,000 | 86,125,000 | 88,139,000 |
| Interest-bearing deposits | 73,099,000 | 73,344,000 | 75,286,000 | 76,356,000 |
| Noninterest-bearing deposits | 10,891,000 | 10,533,000 | 10,839,000 | 11,782,000 |
| Equity capital | 13,009,000 | 13,281,000 | 13,813,000 | 13,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,580,000 | 3,117,000 | 4,603,000 | 6,113,000 |
| Interest expense | 454,000 | 882,000 | 1,285,000 | 1,675,000 |
| Net interest income | 1,126,000 | 2,235,000 | 3,318,000 | 4,438,000 |
| Noninterest income | 151,000 | 278,000 | 394,000 | 529,000 |
| Noninterest expense | 721,000 | 1,337,000 | 2,070,000 | 2,814,000 |
| Provision for loan losses | 115,000 | 312,000 | 347,000 | 467,000 |
| Pretax income | 441,000 | 899,000 | 1,330,000 | 1,730,000 |
| Income tax | 149,000 | 304,000 | 447,000 | 579,000 |
| Net income | 292,000 | 595,000 | 883,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,900,000 | 13,203,000 | 13,497,000 | 13,328,000 |
| Total capital | 13,946,000 | 14,134,000 | 14,470,000 | 14,203,000 |
| Risk-weighted assets | 83,653,000 | 83,587,000 | 85,021,000 | 86,903,000 |