Call reports 2022
WARREN-BOYNTON STATE BANK — 2022
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 207,034,000 | 201,410,000 | 210,679,000 | 225,672,000 |
| Total loans | 137,378,000 | 140,873,000 | 153,966,000 | 167,650,000 |
| Allowance for loan losses | 1,372,000 | 1,370,000 | 1,364,000 | 1,448,000 |
| Securities available for sale | 51,332,000 | 48,889,000 | 47,833,000 | 47,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,661,000 | 173,630,000 | 168,253,000 | 165,779,000 |
| Interest-bearing deposits | 135,114,000 | 134,874,000 | 130,520,000 | 126,023,000 |
| Noninterest-bearing deposits | 38,547,000 | 38,756,000 | 37,733,000 | 39,756,000 |
| Equity capital | 25,636,000 | 23,878,000 | 23,683,000 | 24,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,608,000 | 5,636,000 | 7,932,000 |
| Interest expense | 123,000 | 245,000 | 398,000 | 752,000 |
| Net interest income | 1,600,000 | 3,363,000 | 5,238,000 | 7,180,000 |
| Noninterest income | 177,000 | 371,000 | 556,000 | 892,000 |
| Noninterest expense | 1,198,000 | 2,422,000 | 3,657,000 | 5,077,000 |
| Provision for loan losses | 0 | 0 | 0 | 90,000 |
| Pretax income | 579,000 | 1,312,000 | 2,137,000 | 2,905,000 |
| Income tax | 131,000 | 305,000 | 503,000 | 686,000 |
| Net income | 448,000 | 1,007,000 | 1,634,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,283,000 | 26,858,000 | 27,503,000 | 27,253,000 |
| Total capital | 27,655,000 | 28,228,000 | 28,867,000 | 28,701,000 |
| Risk-weighted assets | 136,677,000 | 138,263,000 | 148,874,000 | 157,772,000 |