Call reports 2014
FIRST STATE BANK OF WARREN — 2014
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 97,842,000 | 101,762,000 | 101,840,000 | 101,406,000 |
| Total loans | 40,823,000 | 40,833,000 | 42,012,000 | 41,481,000 |
| Allowance for loan losses | 580,000 | 512,000 | 525,000 | 381,000 |
| Securities available for sale | 47,236,000 | 48,618,000 | 51,350,000 | 49,918,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,473,000 | 91,440,000 | 91,198,000 | 90,282,000 |
| Interest-bearing deposits | 71,529,000 | 72,793,000 | 73,581,000 | 71,740,000 |
| Noninterest-bearing deposits | 15,943,000 | 18,648,000 | 17,617,000 | 18,542,000 |
| Equity capital | 10,185,000 | 10,217,000 | 10,541,000 | 11,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,791,000 | 2,728,000 | 3,572,000 |
| Interest expense | 97,000 | 195,000 | 292,000 | 391,000 |
| Net interest income | 783,000 | 1,596,000 | 2,436,000 | 3,181,000 |
| Noninterest income | 143,000 | 263,000 | 382,000 | 639,000 |
| Noninterest expense | 714,000 | 1,429,000 | 2,119,000 | 2,839,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 130,000 |
| Pretax income | 182,000 | 372,000 | 614,000 | 863,000 |
| Income tax | 15,000 | 20,000 | 44,000 | 92,000 |
| Net income | 167,000 | 352,000 | 570,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,970,000 | 10,606,000 | 10,823,000 | 11,023,000 |
| Total capital | 11,550,000 | 11,118,000 | 11,348,000 | 11,404,000 |
| Risk-weighted assets | 59,178,000 | 59,772,000 | 60,880,000 | 59,651,000 |