Call reports 2014
WARREN-BOYNTON STATE BANK — 2014
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 129,548,000 | 129,977,000 | 127,879,000 | 130,560,000 |
| Total loans | 89,001,000 | 92,271,000 | 92,418,000 | 95,255,000 |
| Allowance for loan losses | 1,184,000 | 1,181,000 | 1,111,000 | 951,000 |
| Securities available for sale | 30,708,000 | 31,777,000 | 31,315,000 | 30,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,365,000 | 102,196,000 | 99,991,000 | 100,033,000 |
| Interest-bearing deposits | 88,539,000 | 86,688,000 | 85,654,000 | 84,775,000 |
| Noninterest-bearing deposits | 15,826,000 | 15,508,000 | 14,337,000 | 15,258,000 |
| Equity capital | 17,944,000 | 18,564,000 | 19,054,000 | 18,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,582,000 | 3,928,000 | 5,254,000 |
| Interest expense | 111,000 | 219,000 | 328,000 | 434,000 |
| Net interest income | 1,172,000 | 2,363,000 | 3,600,000 | 4,820,000 |
| Noninterest income | 125,000 | 246,000 | 387,000 | 508,000 |
| Noninterest expense | 700,000 | 1,411,000 | 2,134,000 | 2,886,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 112,000 |
| Pretax income | 624,000 | 1,225,000 | 1,855,000 | 2,357,000 |
| Income tax | 201,000 | 394,000 | 596,000 | 747,000 |
| Net income | 423,000 | 831,000 | 1,259,000 | 1,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,774,000 | 18,193,000 | 18,630,000 | 18,373,000 |
| Total capital | 18,958,000 | 19,374,000 | 19,741,000 | 19,324,000 |
| Risk-weighted assets | 95,158,000 | 97,364,000 | 91,500,000 | 93,911,000 |