Call reports 2015
WARREN-BOYNTON STATE BANK — 2015
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 128,206,000 | 127,296,000 | 127,367,000 | 131,371,000 |
| Total loans | 91,269,000 | 88,406,000 | 91,790,000 | 96,197,000 |
| Allowance for loan losses | 954,000 | 953,000 | 940,000 | 966,000 |
| Securities available for sale | 31,385,000 | 30,672,000 | 30,955,000 | 29,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,038,000 | 99,292,000 | 98,691,000 | 100,964,000 |
| Interest-bearing deposits | 83,718,000 | 82,997,000 | 81,841,000 | 80,394,000 |
| Noninterest-bearing deposits | 16,320,000 | 16,295,000 | 16,850,000 | 20,570,000 |
| Equity capital | 19,385,000 | 19,519,000 | 20,017,000 | 19,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,531,000 | 3,825,000 | 5,129,000 |
| Interest expense | 97,000 | 194,000 | 291,000 | 386,000 |
| Net interest income | 1,172,000 | 2,337,000 | 3,534,000 | 4,743,000 |
| Noninterest income | 138,000 | 246,000 | 355,000 | 480,000 |
| Noninterest expense | 741,000 | 1,480,000 | 2,206,000 | 2,986,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 600,000 | 1,134,000 | 1,714,000 | 2,250,000 |
| Income tax | 184,000 | 342,000 | 515,000 | 673,000 |
| Net income | 416,000 | 792,000 | 1,199,000 | 1,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,798,000 | 19,183,000 | 19,600,000 | 19,440,000 |
| Total capital | 19,752,000 | 20,136,000 | 20,540,000 | 20,406,000 |
| Risk-weighted assets | 90,011,000 | 98,149,000 | 101,303,000 | 104,211,000 |