Call reports 2004
WARREN BANK AND TRUST COMPANY — 2004
What WARREN BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 123,466,000 | 122,845,000 | 125,327,000 | 122,480,000 |
| Total loans | 63,823,000 | 66,547,000 | 65,561,000 | 61,554,000 |
| Allowance for loan losses | 1,007,000 | 976,000 | 961,000 | 942,000 |
| Securities available for sale | 49,745,000 | 47,022,000 | 51,824,000 | 53,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,444,000 | 100,508,000 | 102,554,000 | 101,109,000 |
| Interest-bearing deposits | 89,261,000 | 87,800,000 | 90,039,000 | 88,300,000 |
| Noninterest-bearing deposits | 11,183,000 | 12,708,000 | 12,515,000 | 12,809,000 |
| Equity capital | 17,311,000 | 16,905,000 | 17,662,000 | 16,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,512,000 | 3,033,000 | 4,572,000 | 6,115,000 |
| Interest expense | 402,000 | 805,000 | 1,248,000 | 1,730,000 |
| Net interest income | 1,110,000 | 2,228,000 | 3,324,000 | 4,385,000 |
| Noninterest income | 140,000 | 242,000 | 343,000 | 448,000 |
| Noninterest expense | 718,000 | 1,408,000 | 2,098,000 | 2,853,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 457,000 | 988,000 | 1,495,000 | 1,908,000 |
| Income tax | 110,000 | 280,000 | 430,000 | 537,000 |
| Net income | 347,000 | 708,000 | 1,065,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,661,000 | 17,022,000 | 17,379,000 | 16,341,000 |
| Total capital | 17,668,000 | 17,998,000 | 18,340,000 | 17,283,000 |
| Risk-weighted assets | 87,944,000 | 91,490,000 | 88,865,000 | 85,588,000 |