Call reports 2005
NEW WINDSOR STATE BANK — 2005
What NEW WINDSOR STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 158,334,000 | 167,507,000 | 177,118,000 | 176,331,000 |
| Total loans | 129,633,000 | 142,032,000 | 148,656,000 | 151,194,000 |
| Allowance for loan losses | 1,174,000 | 1,283,000 | 1,326,000 | 1,340,000 |
| Securities available for sale | 15,773,000 | 14,269,000 | 13,995,000 | 12,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,079,000 | 144,018,000 | 154,004,000 | 153,068,000 |
| Interest-bearing deposits | 114,426,000 | 116,540,000 | 127,210,000 | 126,797,000 |
| Noninterest-bearing deposits | 25,653,000 | 27,478,000 | 26,794,000 | 26,271,000 |
| Equity capital | 12,112,000 | 17,374,000 | 17,552,000 | 17,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,152,000 | 4,537,000 | 7,072,000 | 9,666,000 |
| Interest expense | 598,000 | 1,267,000 | 2,000,000 | 2,852,000 |
| Net interest income | 1,554,000 | 3,270,000 | 5,072,000 | 6,814,000 |
| Noninterest income | 227,000 | 472,000 | 763,000 | 1,012,000 |
| Noninterest expense | 1,341,000 | 2,736,000 | 4,125,000 | 5,736,000 |
| Provision for loan losses | 82,000 | 184,000 | 300,000 | 398,000 |
| Pretax income | 356,000 | 820,000 | 1,408,000 | 1,690,000 |
| Income tax | 124,000 | 291,000 | 504,000 | 602,000 |
| Net income | 232,000 | 529,000 | 904,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,102,000 | 17,318,000 | 17,537,000 | 17,524,000 |
| Total capital | 13,276,000 | 18,601,000 | 18,863,000 | 18,864,000 |
| Risk-weighted assets | 126,836,000 | 135,116,000 | 144,267,000 | 146,662,000 |