Call reports 2009
NEW WINDSOR STATE BANK — 2009
What NEW WINDSOR STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 208,451,000 | 214,987,000 | 216,588,000 | 233,991,000 |
| Total loans | 186,192,000 | 187,208,000 | 189,557,000 | 189,675,000 |
| Allowance for loan losses | 1,709,000 | 1,721,000 | 1,656,000 | 1,696,000 |
| Securities available for sale | 6,609,000 | 7,696,000 | 7,361,000 | 9,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,061,000 | 195,771,000 | 197,648,000 | 214,515,000 |
| Interest-bearing deposits | 155,044,000 | 163,470,000 | 166,299,000 | 179,421,000 |
| Noninterest-bearing deposits | 34,017,000 | 32,301,000 | 31,349,000 | 35,094,000 |
| Equity capital | 17,359,000 | 17,692,000 | 17,837,000 | 18,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,029,000 | 6,065,000 | 9,124,000 | 12,136,000 |
| Interest expense | 1,060,000 | 2,106,000 | 3,141,000 | 4,142,000 |
| Net interest income | 1,969,000 | 3,959,000 | 5,983,000 | 7,994,000 |
| Noninterest income | 434,000 | 953,000 | 1,414,000 | 1,896,000 |
| Noninterest expense | 2,103,000 | 4,295,000 | 6,463,000 | 8,678,000 |
| Provision for loan losses | 185,000 | 385,000 | 630,000 | 993,000 |
| Pretax income | 116,000 | 233,000 | 305,000 | 220,000 |
| Income tax | 39,000 | 79,000 | 102,000 | 63,000 |
| Net income | 77,000 | 154,000 | 203,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,455,000 | 17,731,000 | 17,785,000 | 18,409,000 |
| Total capital | 19,164,000 | 19,452,000 | 19,444,000 | 20,105,000 |
| Risk-weighted assets | 180,685,000 | 183,385,000 | 186,144,000 | 189,780,000 |