Call reports 2004
NEW WINDSOR STATE BANK — 2004
What NEW WINDSOR STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 135,122,000 | 139,352,000 | 142,049,000 | 149,731,000 |
| Total loans | 98,902,000 | 102,371,000 | 114,066,000 | 123,803,000 |
| Allowance for loan losses | 980,000 | 1,037,000 | 1,092,000 | 1,180,000 |
| Securities available for sale | 20,925,000 | 20,621,000 | 18,255,000 | 16,070,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,501,000 | 122,539,000 | 122,883,000 | 131,430,000 |
| Interest-bearing deposits | 98,448,000 | 100,552,000 | 100,435,000 | 106,790,000 |
| Noninterest-bearing deposits | 20,053,000 | 21,987,000 | 22,448,000 | 24,640,000 |
| Equity capital | 11,654,000 | 11,598,000 | 11,927,000 | 12,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,594,000 | 5,552,000 | 7,652,000 |
| Interest expense | 501,000 | 992,000 | 1,494,000 | 2,036,000 |
| Net interest income | 1,297,000 | 2,602,000 | 4,058,000 | 5,616,000 |
| Noninterest income | 204,000 | 441,000 | 727,000 | 955,000 |
| Noninterest expense | 1,212,000 | 2,422,000 | 3,610,000 | 4,893,000 |
| Provision for loan losses | 63,000 | 126,000 | 168,000 | 256,000 |
| Pretax income | 226,000 | 495,000 | 1,007,000 | 1,469,000 |
| Income tax | 74,000 | 164,000 | 348,000 | 509,000 |
| Net income | 152,000 | 331,000 | 659,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,371,000 | 11,475,000 | 11,726,000 | 11,952,000 |
| Total capital | 12,351,000 | 12,512,000 | 12,818,000 | 13,132,000 |
| Risk-weighted assets | 105,996,000 | 107,851,000 | 116,504,000 | 121,679,000 |