Call reports 2007
FIRST STATE BANK OF WARREN — 2007
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,447,000 | 101,903,000 | 103,671,000 | 104,873,000 |
| Total loans | 50,069,000 | 48,895,000 | 49,174,000 | 50,091,000 |
| Allowance for loan losses | 893,000 | 1,147,000 | 1,117,000 | 1,043,000 |
| Securities available for sale | 40,478,000 | 41,682,000 | 41,303,000 | 42,738,000 |
| Securities held to maturity | 2,334,000 | 2,333,000 | 2,383,000 | 2,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,040,000 | 90,195,000 | 91,654,000 | 92,960,000 |
| Interest-bearing deposits | 69,239,000 | 77,905,000 | 79,784,000 | 81,090,000 |
| Noninterest-bearing deposits | 23,801,000 | 12,290,000 | 11,870,000 | 11,870,000 |
| Equity capital | 10,609,000 | 10,498,000 | 10,747,000 | 11,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,111,000 | 4,578,000 | 6,276,000 |
| Interest expense | 729,000 | 1,480,000 | 2,209,000 | 2,936,000 |
| Net interest income | 778,000 | 1,631,000 | 2,369,000 | 3,340,000 |
| Noninterest income | 165,000 | 317,000 | 559,000 | 636,000 |
| Noninterest expense | 685,000 | 1,398,000 | 2,109,000 | 2,887,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 248,000 | 540,000 | 809,000 | 1,079,000 |
| Income tax | 54,000 | 128,000 | 192,000 | 258,000 |
| Net income | 194,000 | 412,000 | 617,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,017,000 | 11,091,000 | 11,132,000 | 11,064,000 |
| Total capital | 11,784,000 | 11,844,000 | 11,891,000 | 11,820,000 |
| Risk-weighted assets | 61,222,000 | 59,856,000 | 60,388,000 | 60,205,000 |