Call reports 2013
WARREN-BOYNTON STATE BANK — 2013
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 132,946,000 | 128,566,000 | 124,666,000 | 124,067,000 |
| Total loans | 92,905,000 | 86,777,000 | 86,171,000 | 89,654,000 |
| Allowance for loan losses | 1,182,000 | 1,171,000 | 1,173,000 | 1,187,000 |
| Securities available for sale | 28,777,000 | 30,359,000 | 30,833,000 | 29,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,451,000 | 103,948,000 | 99,869,000 | 99,750,000 |
| Interest-bearing deposits | 89,718,000 | 86,485,000 | 83,387,000 | 83,517,000 |
| Noninterest-bearing deposits | 17,733,000 | 17,463,000 | 16,482,000 | 16,233,000 |
| Equity capital | 17,448,000 | 17,359,000 | 17,523,000 | 17,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,722,000 | 4,024,000 | 5,333,000 |
| Interest expense | 143,000 | 271,000 | 392,000 | 509,000 |
| Net interest income | 1,251,000 | 2,451,000 | 3,632,000 | 4,824,000 |
| Noninterest income | 169,000 | 355,000 | 476,000 | 610,000 |
| Noninterest expense | 736,000 | 1,470,000 | 2,191,000 | 2,943,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 684,000 | 1,336,000 | 1,917,000 | 2,461,000 |
| Income tax | 232,000 | 448,000 | 635,000 | 803,000 |
| Net income | 452,000 | 888,000 | 1,282,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,704,000 | 17,149,000 | 17,556,000 | 17,340,000 |
| Total capital | 17,886,000 | 18,302,000 | 18,707,000 | 18,526,000 |
| Risk-weighted assets | 98,056,000 | 92,214,000 | 92,052,000 | 94,917,000 |