Call reports 2004
FIRST STATE BANK OF WARREN — 2004
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 99,481,000 | 99,162,000 | 100,638,000 | 102,891,000 |
| Total loans | 54,629,000 | 55,417,000 | 57,881,000 | 53,894,000 |
| Allowance for loan losses | 816,000 | 880,000 | 787,000 | 727,000 |
| Securities available for sale | 28,155,000 | 30,225,000 | 27,845,000 | 30,785,000 |
| Securities held to maturity | 2,856,000 | 2,441,000 | 2,641,000 | 2,607,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,504,000 | 87,966,000 | 88,834,000 | 91,161,000 |
| Interest-bearing deposits | 76,166,000 | 76,960,000 | 76,196,000 | 77,402,000 |
| Noninterest-bearing deposits | 11,338,000 | 11,007,000 | 12,638,000 | 13,759,000 |
| Equity capital | 11,085,000 | 10,484,000 | 11,008,000 | 10,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,459,000 | 3,724,000 | 5,009,000 |
| Interest expense | 315,000 | 636,000 | 968,000 | 1,338,000 |
| Net interest income | 910,000 | 1,823,000 | 2,756,000 | 3,671,000 |
| Noninterest income | 125,000 | 263,000 | 407,000 | 591,000 |
| Noninterest expense | 698,000 | 1,446,000 | 2,199,000 | 2,970,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 230,000 |
| Pretax income | 281,000 | 564,000 | 837,000 | 1,105,000 |
| Income tax | 86,000 | 172,000 | 245,000 | 382,000 |
| Net income | 195,000 | 392,000 | 592,000 | 723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,000,000 | 11,099,000 | 11,200,000 | 11,153,000 |
| Total capital | 11,773,000 | 11,890,000 | 11,987,000 | 11,880,000 |
| Risk-weighted assets | 61,773,000 | 63,164,000 | 65,525,000 | 62,632,000 |