Call reports 2008
NEW WINDSOR STATE BANK — 2008
What NEW WINDSOR STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 211,438,000 | 211,164,000 | 210,695,000 | 206,073,000 |
| Total loans | 174,691,000 | 185,106,000 | 190,197,000 | 187,625,000 |
| Allowance for loan losses | 1,501,000 | 1,474,000 | 1,591,000 | 1,672,000 |
| Securities available for sale | 10,414,000 | 10,224,000 | 7,751,000 | 7,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,690,000 | 186,793,000 | 187,372,000 | 178,880,000 |
| Interest-bearing deposits | 154,243,000 | 151,001,000 | 154,766,000 | 146,091,000 |
| Noninterest-bearing deposits | 32,447,000 | 35,792,000 | 32,606,000 | 32,789,000 |
| Equity capital | 17,195,000 | 17,408,000 | 16,903,000 | 17,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,217,000 | 6,410,000 | 9,714,000 | 12,910,000 |
| Interest expense | 1,312,000 | 2,594,000 | 3,826,000 | 4,957,000 |
| Net interest income | 1,905,000 | 3,816,000 | 5,888,000 | 7,953,000 |
| Noninterest income | 407,000 | 979,000 | 1,437,000 | 1,919,000 |
| Noninterest expense | 2,084,000 | 4,138,000 | 6,184,000 | 8,276,000 |
| Provision for loan losses | 110,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 118,000 | 357,000 | 451,000 | 756,000 |
| Income tax | 35,000 | 119,000 | 189,000 | 260,000 |
| Net income | 83,000 | 238,000 | 262,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,100,000 | 17,190,000 | 17,189,000 | 17,375,000 |
| Total capital | 18,601,000 | 18,664,000 | 18,780,000 | 19,047,000 |
| Risk-weighted assets | 176,377,000 | 182,879,000 | 183,082,000 | 181,783,000 |