Call reports 2010
NEW WINDSOR STATE BANK — 2010
What NEW WINDSOR STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 238,925,000 | 239,826,000 | 237,133,000 | 249,039,000 |
| Total loans | 197,164,000 | 200,507,000 | 200,806,000 | 206,991,000 |
| Allowance for loan losses | 1,785,000 | 1,837,000 | 1,945,000 | 2,310,000 |
| Securities available for sale | 12,593,000 | 13,940,000 | 12,149,000 | 13,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,200,000 | 218,722,000 | 212,394,000 | 223,759,000 |
| Interest-bearing deposits | 184,005,000 | 182,678,000 | 176,434,000 | 184,003,000 |
| Noninterest-bearing deposits | 35,195,000 | 36,044,000 | 35,960,000 | 39,756,000 |
| Equity capital | 18,519,000 | 19,621,000 | 23,616,000 | 23,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,143,000 | 6,363,000 | 9,522,000 | 12,602,000 |
| Interest expense | 926,000 | 1,834,000 | 2,684,000 | 3,477,000 |
| Net interest income | 2,217,000 | 4,529,000 | 6,838,000 | 9,125,000 |
| Noninterest income | 336,000 | 705,000 | 1,222,000 | 1,777,000 |
| Noninterest expense | 2,262,000 | 4,545,000 | 6,872,000 | 9,222,000 |
| Provision for loan losses | 213,000 | 426,000 | 651,000 | 1,246,000 |
| Pretax income | 78,000 | 320,000 | 605,000 | 502,000 |
| Income tax | 26,000 | 115,000 | 223,000 | 178,000 |
| Net income | 52,000 | 205,000 | 382,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,461,000 | 19,508,000 | 23,416,000 | 23,859,000 |
| Total capital | 20,246,000 | 21,345,000 | 25,361,000 | 26,169,000 |
| Risk-weighted assets | 193,256,000 | 193,747,000 | 193,852,000 | 197,653,000 |