Call reports 2008
WARREN BANK AND TRUST COMPANY — 2008
What WARREN BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 141,470,000 | 137,118,000 | 137,746,000 | 132,578,000 |
| Total loans | 61,019,000 | 72,967,000 | 72,372,000 | 71,238,000 |
| Allowance for loan losses | 551,000 | 623,000 | 633,000 | 693,000 |
| Securities available for sale | 53,108,000 | 48,996,000 | 51,169,000 | 49,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,227,000 | 104,260,000 | 105,870,000 | 102,008,000 |
| Interest-bearing deposits | 91,373,000 | 90,847,000 | 89,414,000 | 85,368,000 |
| Noninterest-bearing deposits | 14,854,000 | 13,413,000 | 16,456,000 | 16,640,000 |
| Equity capital | 16,846,000 | 15,479,000 | 14,189,000 | 15,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,984,000 | 3,958,000 | 5,998,000 | 8,014,000 |
| Interest expense | 965,000 | 1,864,000 | 2,685,000 | 3,377,000 |
| Net interest income | 1,019,000 | 2,094,000 | 3,313,000 | 4,637,000 |
| Noninterest income | 239,000 | 389,000 | 535,000 | 669,000 |
| Noninterest expense | 732,000 | 1,467,000 | 2,216,000 | 2,849,000 |
| Provision for loan losses | 0 | 75,000 | 100,000 | 175,000 |
| Pretax income | 513,000 | 955,000 | 532,000 | 981,000 |
| Income tax | 4,000 | 10,000 | 15,000 | 19,000 |
| Net income | 509,000 | 945,000 | 517,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,746,000 | 16,870,000 | 16,201,000 | 16,503,000 |
| Total capital | 17,297,000 | 17,493,000 | 16,834,000 | 17,196,000 |
| Risk-weighted assets | 102,553,000 | 101,223,000 | 95,203,000 | 88,853,000 |