Call reports 2005
WARREN BANK AND TRUST COMPANY — 2005
What WARREN BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 124,715,000 | 122,653,000 | 122,019,000 | 124,723,000 |
| Total loans | 61,807,000 | 59,177,000 | 59,475,000 | 60,299,000 |
| Allowance for loan losses | 912,000 | 805,000 | 793,000 | 788,000 |
| Securities available for sale | 56,075,000 | 55,027,000 | 52,900,000 | 50,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,561,000 | 100,858,000 | 100,102,000 | 98,372,000 |
| Interest-bearing deposits | 91,647,000 | 88,258,000 | 87,009,000 | 84,328,000 |
| Noninterest-bearing deposits | 11,914,000 | 12,600,000 | 13,093,000 | 14,044,000 |
| Equity capital | 16,304,000 | 16,857,000 | 16,976,000 | 15,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,126,000 | 4,745,000 | 6,385,000 |
| Interest expense | 527,000 | 1,100,000 | 1,692,000 | 2,347,000 |
| Net interest income | 1,013,000 | 2,026,000 | 3,053,000 | 4,038,000 |
| Noninterest income | 144,000 | 239,000 | 381,000 | 510,000 |
| Noninterest expense | 710,000 | 1,486,000 | 2,284,000 | 3,208,000 |
| Provision for loan losses | 0 | -75,000 | -75,000 | -75,000 |
| Pretax income | 447,000 | 854,000 | 1,225,000 | 1,415,000 |
| Income tax | 98,000 | 218,000 | 333,000 | 384,000 |
| Net income | 349,000 | 636,000 | 892,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,690,000 | 16,977,000 | 17,232,000 | 16,364,000 |
| Total capital | 17,602,000 | 17,782,000 | 18,025,000 | 17,152,000 |
| Risk-weighted assets | 83,786,000 | 84,589,000 | 84,196,000 | 85,019,000 |