Call reports 2020
WARREN-BOYNTON STATE BANK — 2020
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 176,084,000 | 182,150,000 | 183,086,000 | 184,232,000 |
| Total loans | 121,518,000 | 123,837,000 | 122,830,000 | 125,396,000 |
| Allowance for loan losses | 1,403,000 | 1,451,000 | 1,446,000 | 1,443,000 |
| Securities available for sale | 43,307,000 | 44,849,000 | 46,785,000 | 49,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,647,000 | 145,237,000 | 146,492,000 | 148,112,000 |
| Interest-bearing deposits | 118,751,000 | 116,733,000 | 118,804,000 | 119,617,000 |
| Noninterest-bearing deposits | 26,896,000 | 28,504,000 | 27,688,000 | 28,495,000 |
| Equity capital | 23,918,000 | 25,977,000 | 26,599,000 | 26,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,812,000 | 5,574,000 | 7,349,000 |
| Interest expense | 307,000 | 584,000 | 813,000 | 1,008,000 |
| Net interest income | 1,571,000 | 3,228,000 | 4,761,000 | 6,341,000 |
| Noninterest income | 178,000 | 392,000 | 638,000 | 885,000 |
| Noninterest expense | 1,096,000 | 2,208,000 | 3,283,000 | 4,483,000 |
| Provision for loan losses | 40,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 646,000 | 1,361,000 | 2,066,000 | 2,693,000 |
| Income tax | 148,000 | 315,000 | 479,000 | 622,000 |
| Net income | 498,000 | 1,046,000 | 1,587,000 | 2,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,583,000 | 24,154,000 | 24,711,000 | 24,423,000 |
| Total capital | 24,986,000 | 25,605,000 | 26,157,000 | 25,866,000 |
| Risk-weighted assets | 129,979,000 | 131,445,000 | 128,083,000 | 126,908,000 |