Call reports 2011
NEW WINDSOR STATE BANK — 2011
What NEW WINDSOR STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 259,568,000 | 265,771,000 | 262,738,000 | 262,595,000 |
| Total loans | 199,716,000 | 202,159,000 | 201,411,000 | 199,340,000 |
| Allowance for loan losses | 2,675,000 | 2,533,000 | 2,646,000 | 4,322,000 |
| Securities available for sale | 16,442,000 | 25,050,000 | 15,316,000 | 22,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,585,000 | 240,701,000 | 238,077,000 | 239,188,000 |
| Interest-bearing deposits | 193,356,000 | 199,672,000 | 195,743,000 | 196,770,000 |
| Noninterest-bearing deposits | 41,229,000 | 41,029,000 | 42,334,000 | 42,418,000 |
| Equity capital | 23,603,000 | 23,859,000 | 23,675,000 | 22,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,049,000 | 6,108,000 | 9,150,000 | 12,044,000 |
| Interest expense | 788,000 | 1,597,000 | 2,414,000 | 3,221,000 |
| Net interest income | 2,261,000 | 4,511,000 | 6,736,000 | 8,823,000 |
| Noninterest income | 406,000 | 873,000 | 984,000 | 797,000 |
| Noninterest expense | 2,456,000 | 4,821,000 | 7,117,000 | 9,397,000 |
| Provision for loan losses | 727,000 | 929,000 | 1,422,000 | 3,465,000 |
| Pretax income | -516,000 | -354,000 | -280,000 | -2,703,000 |
| Income tax | -206,000 | -146,000 | -121,000 | -1,068,000 |
| Net income | -310,000 | -208,000 | -159,000 | -1,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,502,000 | 23,604,000 | 23,653,000 | 21,113,000 |
| Total capital | 25,944,000 | 26,082,000 | 26,113,000 | 23,540,000 |
| Risk-weighted assets | 194,931,000 | 198,211,000 | 196,637,000 | 192,290,000 |