Call reports 2003
WARREN BANK AND TRUST COMPANY — 2003
What WARREN BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 123,984,000 | 124,149,000 | 121,129,000 | 121,953,000 |
| Total loans | 63,994,000 | 62,228,000 | 64,860,000 | 64,662,000 |
| Allowance for loan losses | 777,000 | 763,000 | 731,000 | 957,000 |
| Securities available for sale | 54,014,000 | 51,248,000 | 47,932,000 | 46,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,696,000 | 99,955,000 | 97,535,000 | 99,704,000 |
| Interest-bearing deposits | 89,999,000 | 89,100,000 | 85,737,000 | 86,415,000 |
| Noninterest-bearing deposits | 10,697,000 | 10,855,000 | 11,798,000 | 13,289,000 |
| Equity capital | 17,544,000 | 18,126,000 | 18,067,000 | 16,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,619,000 | 3,183,000 | 4,725,000 | 6,261,000 |
| Interest expense | 516,000 | 983,000 | 1,422,000 | 1,838,000 |
| Net interest income | 1,103,000 | 2,200,000 | 3,303,000 | 4,423,000 |
| Noninterest income | 153,000 | 250,000 | 356,000 | 480,000 |
| Noninterest expense | 671,000 | 1,352,000 | 2,025,000 | 2,751,000 |
| Provision for loan losses | 0 | 0 | 0 | 408,000 |
| Pretax income | 585,000 | 1,099,000 | 1,635,000 | 1,838,000 |
| Income tax | 153,000 | 306,000 | 447,000 | 590,000 |
| Net income | 432,000 | 793,000 | 1,188,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,827,000 | 17,188,000 | 17,550,000 | 16,314,000 |
| Total capital | 17,604,000 | 17,951,000 | 18,281,000 | 17,271,000 |
| Risk-weighted assets | 89,614,000 | 88,358,000 | 89,246,000 | 89,097,000 |