Call reports 2016
WARREN-BOYNTON STATE BANK — 2016
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 131,834,000 | 130,154,000 | 130,332,000 | 131,172,000 |
| Total loans | 92,603,000 | 92,027,000 | 92,719,000 | 94,876,000 |
| Allowance for loan losses | 966,000 | 967,000 | 974,000 | 992,000 |
| Securities available for sale | 32,131,000 | 32,794,000 | 32,032,000 | 32,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,723,000 | 98,362,000 | 98,522,000 | 98,782,000 |
| Interest-bearing deposits | 84,656,000 | 82,423,000 | 80,863,000 | 81,331,000 |
| Noninterest-bearing deposits | 16,067,000 | 15,939,000 | 17,659,000 | 17,451,000 |
| Equity capital | 20,440,000 | 20,965,000 | 21,304,000 | 20,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,607,000 | 3,897,000 | 5,215,000 |
| Interest expense | 97,000 | 201,000 | 306,000 | 412,000 |
| Net interest income | 1,212,000 | 2,406,000 | 3,591,000 | 4,803,000 |
| Noninterest income | 148,000 | 272,000 | 390,000 | 532,000 |
| Noninterest expense | 743,000 | 1,497,000 | 2,257,000 | 3,052,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 617,000 | 1,187,000 | 1,730,000 | 2,269,000 |
| Income tax | 189,000 | 364,000 | 526,000 | 686,000 |
| Net income | 428,000 | 823,000 | 1,204,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,878,000 | 20,286,000 | 20,679,000 | 20,356,000 |
| Total capital | 20,844,000 | 21,253,000 | 21,653,000 | 21,348,000 |
| Risk-weighted assets | 101,492,000 | 98,932,000 | 100,396,000 | 102,569,000 |