Call reports 2015
FIRST STATE BANK OF WARREN — 2015
What FIRST STATE BANK OF WARREN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 103,218,000 | 104,933,000 | 107,125,000 | 113,405,000 |
| Total loans | 42,085,000 | 41,872,000 | 40,035,000 | 39,199,000 |
| Allowance for loan losses | 439,000 | 498,000 | 538,000 | 485,000 |
| Securities available for sale | 51,413,000 | 41,398,000 | 35,739,000 | 27,343,000 |
| Securities held to maturity | 150,000 | 9,879,000 | 18,290,000 | 30,478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,790,000 | 93,606,000 | 95,437,000 | 101,589,000 |
| Interest-bearing deposits | 75,962,000 | 76,692,000 | 77,862,000 | 83,534,000 |
| Noninterest-bearing deposits | 15,828,000 | 16,914,000 | 17,575,000 | 18,055,000 |
| Equity capital | 11,306,000 | 11,188,000 | 11,554,000 | 11,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,772,000 | 2,646,000 | 3,492,000 |
| Interest expense | 96,000 | 195,000 | 294,000 | 394,000 |
| Net interest income | 796,000 | 1,577,000 | 2,352,000 | 3,098,000 |
| Noninterest income | 123,000 | 235,000 | 350,000 | 489,000 |
| Noninterest expense | 674,000 | 1,359,000 | 2,038,000 | 2,755,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 190,000 |
| Pretax income | 187,000 | 342,000 | 535,000 | 682,000 |
| Income tax | 20,000 | 30,000 | 55,000 | 76,000 |
| Net income | 167,000 | 312,000 | 480,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,192,000 | 11,335,000 | 11,505,000 | 11,630,000 |
| Total capital | 11,631,000 | 11,662,000 | 11,843,000 | 12,011,000 |
| Risk-weighted assets | 71,068,000 | 25,870,000 | 26,866,000 | 30,399,000 |