Call reports 2019
WARREN-BOYNTON STATE BANK — 2019
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 165,145,000 | 168,919,000 | 174,206,000 | 174,165,000 |
| Total loans | 116,919,000 | 121,737,000 | 120,004,000 | 122,347,000 |
| Allowance for loan losses | 1,369,000 | 1,369,000 | 1,367,000 | 1,363,000 |
| Securities available for sale | 39,471,000 | 38,875,000 | 39,523,000 | 41,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,981,000 | 136,643,000 | 141,894,000 | 142,882,000 |
| Interest-bearing deposits | 112,078,000 | 113,022,000 | 115,985,000 | 116,833,000 |
| Noninterest-bearing deposits | 23,903,000 | 23,621,000 | 25,909,000 | 26,049,000 |
| Equity capital | 23,187,000 | 24,081,000 | 24,693,000 | 24,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,806,000 | 3,613,000 | 5,475,000 | 7,354,000 |
| Interest expense | 226,000 | 483,000 | 781,000 | 1,093,000 |
| Net interest income | 1,580,000 | 3,130,000 | 4,694,000 | 6,261,000 |
| Noninterest income | 159,000 | 329,000 | 526,000 | 705,000 |
| Noninterest expense | 1,063,000 | 2,116,000 | 3,207,000 | 4,348,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 676,000 | 1,343,000 | 2,013,000 | 2,618,000 |
| Income tax | 157,000 | 314,000 | 471,000 | 609,000 |
| Net income | 519,000 | 1,029,000 | 1,542,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,247,000 | 22,787,000 | 23,321,000 | 23,063,000 |
| Total capital | 23,616,000 | 24,156,000 | 24,688,000 | 24,426,000 |
| Risk-weighted assets | 127,845,000 | 130,281,000 | 129,863,000 | 126,156,000 |