Call reports 2012
WARREN-BOYNTON STATE BANK — 2012
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,763,000 | 126,031,000 | 128,310,000 | 129,402,000 |
| Total loans | 89,675,000 | 86,282,000 | 92,602,000 | 94,518,000 |
| Allowance for loan losses | 1,065,000 | 1,053,000 | 1,077,000 | 1,178,000 |
| Securities available for sale | 26,879,000 | 28,601,000 | 29,632,000 | 29,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,862,000 | 102,117,000 | 102,182,000 | 100,379,000 |
| Interest-bearing deposits | 88,262,000 | 87,787,000 | 85,416,000 | 84,343,000 |
| Noninterest-bearing deposits | 15,600,000 | 14,330,000 | 16,766,000 | 16,036,000 |
| Equity capital | 16,267,000 | 16,801,000 | 17,366,000 | 17,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 2,862,000 | 4,284,000 | 5,717,000 |
| Interest expense | 206,000 | 395,000 | 560,000 | 710,000 |
| Net interest income | 1,268,000 | 2,467,000 | 3,724,000 | 5,007,000 |
| Noninterest income | 164,000 | 324,000 | 500,000 | 757,000 |
| Noninterest expense | 704,000 | 1,411,000 | 2,130,000 | 2,943,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 160,000 |
| Pretax income | 733,000 | 1,386,000 | 2,060,000 | 2,667,000 |
| Income tax | 257,000 | 482,000 | 713,000 | 913,000 |
| Net income | 476,000 | 904,000 | 1,347,000 | 1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,580,000 | 15,976,000 | 16,428,000 | 16,243,000 |
| Total capital | 16,645,000 | 17,029,000 | 17,505,000 | 17,421,000 |
| Risk-weighted assets | 95,661,000 | 92,051,000 | 97,778,000 | 98,466,000 |