Call reports 2006
NEW WINDSOR STATE BANK — 2006
What NEW WINDSOR STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 186,100,000 | 187,698,000 | 187,850,000 | 188,216,000 |
| Total loans | 156,262,000 | 159,989,000 | 158,169,000 | 158,170,000 |
| Allowance for loan losses | 1,477,000 | 1,525,000 | 1,555,000 | 1,457,000 |
| Securities available for sale | 12,434,000 | 9,307,000 | 10,847,000 | 13,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,602,000 | 164,024,000 | 164,363,000 | 164,399,000 |
| Interest-bearing deposits | 132,097,000 | 135,885,000 | 135,248,000 | 136,084,000 |
| Noninterest-bearing deposits | 30,505,000 | 28,139,000 | 29,115,000 | 28,315,000 |
| Equity capital | 17,537,000 | 17,492,000 | 17,309,000 | 17,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,739,000 | 5,636,000 | 8,618,000 | 11,608,000 |
| Interest expense | 862,000 | 1,885,000 | 3,039,000 | 4,264,000 |
| Net interest income | 1,877,000 | 3,751,000 | 5,579,000 | 7,344,000 |
| Noninterest income | 301,000 | 621,000 | 962,000 | 1,362,000 |
| Noninterest expense | 1,710,000 | 3,570,000 | 5,436,000 | 7,367,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 348,000 | 562,000 | 745,000 | 859,000 |
| Income tax | 122,000 | 194,000 | 254,000 | 286,000 |
| Net income | 226,000 | 368,000 | 491,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,521,000 | 17,456,000 | 17,280,000 | 17,194,000 |
| Total capital | 18,998,000 | 18,981,000 | 18,835,000 | 18,651,000 |
| Risk-weighted assets | 152,560,000 | 156,390,000 | 155,779,000 | 155,480,000 |