Call reports 2006
FIRST STATE BANK OF WARREN — 2006
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 99,175,000 | 102,753,000 | 103,852,000 | 104,532,000 |
| Total loans | 56,149,000 | 56,716,000 | 52,938,000 | 50,610,000 |
| Allowance for loan losses | 823,000 | 852,000 | 870,000 | 892,000 |
| Securities available for sale | 33,611,000 | 32,654,000 | 34,491,000 | 37,154,000 |
| Securities held to maturity | 3,267,000 | 2,870,000 | 2,638,000 | 2,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,292,000 | 92,169,000 | 92,514,000 | 93,357,000 |
| Interest-bearing deposits | 74,733,000 | 77,060,000 | 77,371,000 | 79,660,000 |
| Noninterest-bearing deposits | 12,559,000 | 15,109,000 | 15,143,000 | 13,698,000 |
| Equity capital | 10,211,000 | 9,981,000 | 10,307,000 | 10,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,889,000 | 4,331,000 | 5,823,000 |
| Interest expense | 508,000 | 1,096,000 | 1,711,000 | 2,393,000 |
| Net interest income | 920,000 | 1,793,000 | 2,620,000 | 3,430,000 |
| Noninterest income | 206,000 | 373,000 | 539,000 | 691,000 |
| Noninterest expense | 707,000 | 1,433,000 | 2,131,000 | 2,873,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 389,000 | 673,000 | 938,000 | 1,138,000 |
| Income tax | 104,000 | 177,000 | 236,000 | 276,000 |
| Net income | 285,000 | 496,000 | 702,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,853,000 | 10,854,000 | 10,897,000 | 10,825,000 |
| Total capital | 11,666,000 | 11,690,000 | 11,694,000 | 11,597,000 |
| Risk-weighted assets | 64,992,000 | 66,852,000 | 63,653,000 | 61,629,000 |