Call reports 2007
WARREN BANK AND TRUST COMPANY — 2007
What WARREN BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 127,196,000 | 125,484,000 | 138,159,000 | 136,840,000 |
| Total loans | 62,844,000 | 62,178,000 | 61,133,000 | 61,085,000 |
| Allowance for loan losses | 556,000 | 537,000 | 557,000 | 548,000 |
| Securities available for sale | 50,755,000 | 52,413,000 | 61,720,000 | 60,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,981,000 | 99,591,000 | 101,947,000 | 102,324,000 |
| Interest-bearing deposits | 86,787,000 | 85,043,000 | 87,222,000 | 87,222,000 |
| Noninterest-bearing deposits | 14,194,000 | 14,548,000 | 14,725,000 | 15,102,000 |
| Equity capital | 16,032,000 | 15,723,000 | 16,323,000 | 16,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,833,000 | 3,681,000 | 5,621,000 | 7,637,000 |
| Interest expense | 891,000 | 1,812,000 | 2,770,000 | 3,800,000 |
| Net interest income | 942,000 | 1,869,000 | 2,851,000 | 3,837,000 |
| Noninterest income | 222,000 | 377,000 | 519,000 | 483,000 |
| Noninterest expense | 726,000 | 1,446,000 | 2,175,000 | 2,909,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 438,000 | 800,000 | 1,185,000 | 1,402,000 |
| Income tax | 2,000 | 15,000 | 19,000 | 19,000 |
| Net income | 436,000 | 785,000 | 1,166,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,653,000 | 16,790,000 | 17,075,000 | 16,237,000 |
| Total capital | 17,209,000 | 17,327,000 | 17,632,000 | 16,785,000 |
| Risk-weighted assets | 88,975,000 | 88,680,000 | 91,996,000 | 92,981,000 |