Call reports 2010
WARREN-BOYNTON STATE BANK — 2010
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 108,651,000 | 109,391,000 | 114,210,000 | 116,149,000 |
| Total loans | 76,959,000 | 77,389,000 | 86,867,000 | 89,751,000 |
| Allowance for loan losses | 802,000 | 870,000 | 1,035,000 | 1,111,000 |
| Securities available for sale | 21,631,000 | 22,391,000 | 22,353,000 | 20,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,932,000 | 89,059,000 | 92,072,000 | 95,157,000 |
| Interest-bearing deposits | 77,752,000 | 78,670,000 | 79,714,000 | 82,058,000 |
| Noninterest-bearing deposits | 11,180,000 | 10,389,000 | 12,358,000 | 13,099,000 |
| Equity capital | 13,689,000 | 14,185,000 | 14,734,000 | 14,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,863,000 | 4,324,000 | 5,863,000 |
| Interest expense | 365,000 | 705,000 | 1,014,000 | 1,308,000 |
| Net interest income | 1,075,000 | 2,158,000 | 3,310,000 | 4,555,000 |
| Noninterest income | 135,000 | 259,000 | 453,000 | 633,000 |
| Noninterest expense | 660,000 | 1,315,000 | 2,022,000 | 2,853,000 |
| Provision for loan losses | 30,000 | 90,000 | 250,000 | 430,000 |
| Pretax income | 520,000 | 1,057,000 | 1,536,000 | 1,950,000 |
| Income tax | 176,000 | 357,000 | 513,000 | 642,000 |
| Net income | 344,000 | 700,000 | 1,023,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,590,000 | 13,951,000 | 14,282,000 | 14,101,000 |
| Total capital | 14,392,000 | 14,821,000 | 15,317,000 | 15,212,000 |
| Risk-weighted assets | 82,670,000 | 82,901,000 | 91,144,000 | 93,746,000 |