Call reports 2023
WARREN-BOYNTON STATE BANK — 2023
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 225,725,000 | 251,074,000 | 244,320,000 | 248,152,000 |
| Total loans | 169,590,000 | 186,957,000 | 186,500,000 | 190,161,000 |
| Allowance for loan losses | 1,698,000 | 1,697,000 | 1,586,000 | 1,682,000 |
| Securities available for sale | 47,636,000 | 46,786,000 | 45,781,000 | 46,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,672,000 | 212,259,000 | 215,892,000 | 212,346,000 |
| Interest-bearing deposits | 142,815,000 | 173,194,000 | 177,646,000 | 172,097,000 |
| Noninterest-bearing deposits | 39,857,000 | 39,065,000 | 38,246,000 | 40,249,000 |
| Equity capital | 24,747,000 | 25,021,000 | 24,768,000 | 22,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,455,000 | 5,192,000 | 8,001,000 | 10,827,000 |
| Interest expense | 580,000 | 1,379,000 | 2,253,000 | 3,101,000 |
| Net interest income | 1,875,000 | 3,813,000 | 5,748,000 | 7,726,000 |
| Noninterest income | 196,000 | 363,000 | 555,000 | 743,000 |
| Noninterest expense | 1,328,000 | 2,661,000 | 4,059,000 | 5,556,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 134,000 |
| Pretax income | 743,000 | 1,510,000 | 2,239,000 | 2,779,000 |
| Income tax | 177,000 | 362,000 | 536,000 | 655,000 |
| Net income | 566,000 | 1,148,000 | 1,703,000 | 2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,584,000 | 28,184,000 | 28,755,000 | 24,863,000 |
| Total capital | 29,281,000 | 29,881,000 | 30,342,000 | 26,545,000 |
| Risk-weighted assets | 159,318,000 | 158,584,000 | 158,652,000 | 159,481,000 |