Call reports 2005
FIRST STATE BANK OF WARREN — 2005
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,214,000 | 102,592,000 | 102,672,000 | 98,185,000 |
| Total loans | 56,386,000 | 57,400,000 | 54,934,000 | 53,421,000 |
| Allowance for loan losses | 790,000 | 708,000 | 733,000 | 799,000 |
| Securities available for sale | 30,608,000 | 30,814,000 | 30,715,000 | 34,041,000 |
| Securities held to maturity | 2,953,000 | 3,307,000 | 3,305,000 | 3,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,478,000 | 90,327,000 | 90,565,000 | 87,467,000 |
| Interest-bearing deposits | 76,675,000 | 77,434,000 | 77,052,000 | 75,106,000 |
| Noninterest-bearing deposits | 10,802,000 | 12,892,000 | 13,513,000 | 12,361,000 |
| Equity capital | 10,838,000 | 11,080,000 | 11,113,000 | 9,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,637,000 | 4,042,000 | 5,441,000 |
| Interest expense | 399,000 | 827,000 | 1,281,000 | 1,749,000 |
| Net interest income | 890,000 | 1,810,000 | 2,761,000 | 3,692,000 |
| Noninterest income | 150,000 | 316,000 | 478,000 | 658,000 |
| Noninterest expense | 689,000 | 1,443,000 | 2,178,000 | 2,951,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 300,000 | 572,000 | 890,000 | 1,168,000 |
| Income tax | 88,000 | 163,000 | 251,000 | 337,000 |
| Net income | 212,000 | 409,000 | 639,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,366,000 | 11,455,000 | 11,587,000 | 10,568,000 |
| Total capital | 12,156,000 | 12,163,000 | 12,320,000 | 11,348,000 |
| Risk-weighted assets | 64,101,000 | 65,316,000 | 63,863,000 | 62,357,000 |