Call reports 2009
WARREN BANK AND TRUST COMPANY — 2009
What WARREN BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 133,648,000 | 130,415,000 | 130,868,000 | 125,014,000 |
| Total loans | 69,123,000 | 67,683,000 | 66,445,000 | 65,954,000 |
| Allowance for loan losses | 687,000 | 1,625,000 | 1,474,000 | 1,465,000 |
| Securities available for sale | 53,483,000 | 53,190,000 | 50,255,000 | 51,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,212,000 | 100,440,000 | 100,902,000 | 101,037,000 |
| Interest-bearing deposits | 86,782,000 | 86,791,000 | 86,124,000 | 85,493,000 |
| Noninterest-bearing deposits | 16,430,000 | 13,649,000 | 14,778,000 | 15,544,000 |
| Equity capital | 15,659,000 | 15,319,000 | 16,459,000 | 16,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,434,000 | 5,000,000 | 6,472,000 |
| Interest expense | 605,000 | 1,169,000 | 1,705,000 | 2,161,000 |
| Net interest income | 1,196,000 | 2,265,000 | 3,295,000 | 4,311,000 |
| Noninterest income | 190,000 | 321,000 | 452,000 | 588,000 |
| Noninterest expense | 678,000 | 1,353,000 | 2,131,000 | 2,886,000 |
| Provision for loan losses | 0 | 947,000 | 997,000 | 997,000 |
| Pretax income | 211,000 | -237,000 | 260,000 | 1,036,000 |
| Income tax | 11,000 | 25,000 | 38,000 | 48,000 |
| Net income | 200,000 | -262,000 | 222,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,703,000 | 15,676,000 | 16,040,000 | 16,710,000 |
| Total capital | 17,390,000 | 16,730,000 | 17,041,000 | 17,724,000 |
| Risk-weighted assets | 87,597,000 | 83,742,000 | 79,639,000 | 80,631,000 |