Call reports 2002
NEW WINDSOR STATE BANK — 2002
What NEW WINDSOR STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,957,000 | 113,861,000 | 109,499,000 | 110,569,000 |
| Total loans | 71,882,000 | 76,836,000 | 78,713,000 | 84,446,000 |
| Allowance for loan losses | 816,000 | 937,000 | 722,000 | 840,000 |
| Securities available for sale | 33,767,000 | 29,391,000 | 20,677,000 | 17,196,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,686,000 | 99,221,000 | 94,272,000 | 95,236,000 |
| Interest-bearing deposits | 88,489,000 | 84,497,000 | 80,293,000 | 81,777,000 |
| Noninterest-bearing deposits | 12,197,000 | 14,724,000 | 13,979,000 | 13,459,000 |
| Equity capital | 9,926,000 | 10,354,000 | 10,821,000 | 10,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,811,000 | 3,668,000 | 5,468,000 | 7,182,000 |
| Interest expense | 946,000 | 1,742,000 | 2,391,000 | 2,971,000 |
| Net interest income | 865,000 | 1,926,000 | 3,077,000 | 4,211,000 |
| Noninterest income | 106,000 | 229,000 | 404,000 | 628,000 |
| Noninterest expense | 791,000 | 1,603,000 | 2,409,000 | 3,355,000 |
| Provision for loan losses | 45,000 | 161,000 | 246,000 | 405,000 |
| Pretax income | 135,000 | 441,000 | 878,000 | 1,301,000 |
| Income tax | 33,000 | 140,000 | 293,000 | 440,000 |
| Net income | 102,000 | 301,000 | 585,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,083,000 | 10,172,000 | 10,455,000 | 10,607,000 |
| Total capital | 10,899,000 | 11,109,000 | 11,177,000 | 11,447,000 |
| Risk-weighted assets | 81,562,000 | 82,196,000 | 80,429,000 | 85,646,000 |