Call reports 2011
WARREN-BOYNTON STATE BANK — 2011
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 116,332,000 | 113,266,000 | 118,282,000 | 124,592,000 |
| Total loans | 87,104,000 | 84,128,000 | 85,180,000 | 91,567,000 |
| Allowance for loan losses | 1,029,000 | 1,039,000 | 1,089,000 | 1,177,000 |
| Securities available for sale | 22,995,000 | 24,609,000 | 24,790,000 | 25,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,410,000 | 91,609,000 | 94,616,000 | 100,258,000 |
| Interest-bearing deposits | 83,305,000 | 79,166,000 | 81,745,000 | 86,144,000 |
| Noninterest-bearing deposits | 12,105,000 | 12,443,000 | 12,871,000 | 14,114,000 |
| Equity capital | 14,702,000 | 15,295,000 | 16,014,000 | 15,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 2,949,000 | 4,407,000 | 5,886,000 |
| Interest expense | 264,000 | 514,000 | 749,000 | 967,000 |
| Net interest income | 1,229,000 | 2,435,000 | 3,658,000 | 4,919,000 |
| Noninterest income | 135,000 | 256,000 | 394,000 | 554,000 |
| Noninterest expense | 693,000 | 1,423,000 | 2,151,000 | 3,038,000 |
| Provision for loan losses | 25,000 | 25,000 | 75,000 | 160,000 |
| Pretax income | 669,000 | 1,266,000 | 1,849,000 | 2,298,000 |
| Income tax | 239,000 | 447,000 | 646,000 | 789,000 |
| Net income | 430,000 | 819,000 | 1,203,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,539,000 | 14,919,000 | 15,311,000 | 15,095,000 |
| Total capital | 15,568,000 | 15,958,000 | 16,371,000 | 16,271,000 |
| Risk-weighted assets | 91,648,000 | 88,582,000 | 89,892,000 | 96,779,000 |