Call reports 2025
WARREN-BOYNTON STATE BANK — 2025
What WARREN-BOYNTON STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 259,151,000 | 250,121,000 | 251,376,000 | 231,029,000 |
| Total loans | 192,274,000 | 193,994,000 | 190,917,000 | 172,237,000 |
| Allowance for loan losses | 1,686,000 | 1,684,000 | 1,677,000 | 1,701,000 |
| Securities available for sale | 47,257,000 | 46,775,000 | 47,907,000 | 49,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,655,000 | 216,736,000 | 215,665,000 | 197,432,000 |
| Interest-bearing deposits | 187,783,000 | 178,173,000 | 176,731,000 | 155,685,000 |
| Noninterest-bearing deposits | 38,872,000 | 38,563,000 | 38,934,000 | 41,747,000 |
| Equity capital | 24,038,000 | 24,052,000 | 26,121,000 | 25,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,175,000 | 6,366,000 | 9,610,000 | 12,751,000 |
| Interest expense | 1,010,000 | 2,043,000 | 3,035,000 | 3,989,000 |
| Net interest income | 2,165,000 | 4,323,000 | 6,575,000 | 8,762,000 |
| Noninterest income | 196,000 | 385,000 | 574,000 | 764,000 |
| Noninterest expense | 1,540,000 | 3,060,000 | 4,641,000 | 6,269,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 51,000 |
| Pretax income | 821,000 | 1,628,000 | 2,488,000 | 3,206,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 293,000 |
| Net income | 809,000 | 1,604,000 | 2,452,000 | 2,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,464,000 | 27,757,000 | 28,620,000 | 28,091,000 |
| Total capital | 29,149,000 | 29,441,000 | 30,297,000 | 29,792,000 |
| Risk-weighted assets | 164,158,000 | 164,636,000 | 159,085,000 | 158,898,000 |