Call reports 2007
NEW WINDSOR STATE BANK — 2007
What NEW WINDSOR STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 193,446,000 | 193,842,000 | 193,656,000 | 197,489,000 |
| Total loans | 156,418,000 | 157,030,000 | 164,078,000 | 173,223,000 |
| Allowance for loan losses | 1,311,000 | 1,332,000 | 1,449,000 | 1,534,000 |
| Securities available for sale | 12,448,000 | 13,089,000 | 13,051,000 | 10,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,484,000 | 169,395,000 | 169,090,000 | 172,366,000 |
| Interest-bearing deposits | 140,470,000 | 140,524,000 | 139,273,000 | 140,634,000 |
| Noninterest-bearing deposits | 29,014,000 | 28,871,000 | 29,817,000 | 31,732,000 |
| Equity capital | 17,169,000 | 17,146,000 | 17,186,000 | 17,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,045,000 | 6,151,000 | 9,359,000 | 12,581,000 |
| Interest expense | 1,222,000 | 2,515,000 | 3,794,000 | 5,081,000 |
| Net interest income | 1,823,000 | 3,636,000 | 5,565,000 | 7,500,000 |
| Noninterest income | 360,000 | 788,000 | 1,207,000 | 1,652,000 |
| Noninterest expense | 1,896,000 | 3,740,000 | 5,703,000 | 7,770,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 520,000 |
| Pretax income | 152,000 | 414,000 | 664,000 | 862,000 |
| Income tax | 48,000 | 136,000 | 219,000 | 279,000 |
| Net income | 104,000 | 278,000 | 445,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,133,000 | 17,139,000 | 17,135,000 | 17,106,000 |
| Total capital | 18,444,000 | 18,471,000 | 18,584,000 | 18,640,000 |
| Risk-weighted assets | 155,150,000 | 156,894,000 | 162,907,000 | 174,251,000 |