Call reports 2003
FIRST STATE BANK OF WARREN — 2003
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 97,061,000 | 97,204,000 | 98,001,000 | 97,804,000 |
| Total loans | 55,406,000 | 58,125,000 | 59,138,000 | 55,115,000 |
| Allowance for loan losses | 751,000 | 723,000 | 704,000 | 781,000 |
| Securities available for sale | 23,038,000 | 23,156,000 | 22,409,000 | 25,841,000 |
| Securities held to maturity | 2,968,000 | 3,535,000 | 2,964,000 | 2,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,773,000 | 85,344,000 | 86,522,000 | 86,361,000 |
| Interest-bearing deposits | 74,863,000 | 74,269,000 | 74,160,000 | 72,219,000 |
| Noninterest-bearing deposits | 10,910,000 | 11,075,000 | 12,362,000 | 14,141,000 |
| Equity capital | 10,727,000 | 10,949,000 | 10,763,000 | 10,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,591,000 | 3,891,000 | 5,176,000 |
| Interest expense | 406,000 | 770,000 | 1,101,000 | 1,411,000 |
| Net interest income | 859,000 | 1,821,000 | 2,790,000 | 3,765,000 |
| Noninterest income | 117,000 | 255,000 | 377,000 | 529,000 |
| Noninterest expense | 679,000 | 1,395,000 | 2,081,000 | 2,806,000 |
| Provision for loan losses | 60,000 | 110,000 | 170,000 | 240,000 |
| Pretax income | 245,000 | 584,000 | 930,000 | 1,262,000 |
| Income tax | 67,000 | 151,000 | 231,000 | 392,000 |
| Net income | 178,000 | 433,000 | 699,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,585,000 | 10,752,000 | 10,891,000 | 10,805,000 |
| Total capital | 11,336,000 | 11,475,000 | 11,595,000 | 11,578,000 |
| Risk-weighted assets | 61,387,000 | 63,986,000 | 65,027,000 | 61,838,000 |