Call reports 2012
NEW WINDSOR STATE BANK — 2012
What NEW WINDSOR STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 266,811,000 | 272,021,000 | 265,405,000 | 269,314,000 |
| Total loans | 198,398,000 | 199,061,000 | 198,000,000 | 202,107,000 |
| Allowance for loan losses | 4,043,000 | 3,800,000 | 3,566,000 | 3,618,000 |
| Securities available for sale | 32,964,000 | 38,905,000 | 39,357,000 | 41,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,136,000 | 248,034,000 | 241,005,000 | 244,917,000 |
| Interest-bearing deposits | 199,146,000 | 199,790,000 | 192,369,000 | 193,218,000 |
| Noninterest-bearing deposits | 43,990,000 | 48,244,000 | 48,636,000 | 51,699,000 |
| Equity capital | 22,302,000 | 22,704,000 | 23,117,000 | 23,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,837,000 | 5,663,000 | 8,491,000 | 11,249,000 |
| Interest expense | 766,000 | 1,460,000 | 2,115,000 | 2,730,000 |
| Net interest income | 2,071,000 | 4,203,000 | 6,376,000 | 8,519,000 |
| Noninterest income | 632,000 | 1,204,000 | 1,761,000 | 2,277,000 |
| Noninterest expense | 2,202,000 | 4,397,000 | 6,527,000 | 8,706,000 |
| Provision for loan losses | 246,000 | 412,000 | 566,000 | 731,000 |
| Pretax income | 255,000 | 598,000 | 1,044,000 | 1,359,000 |
| Income tax | 98,000 | 230,000 | 400,000 | 520,000 |
| Net income | 157,000 | 368,000 | 644,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,605,000 | 22,010,000 | 22,314,000 | 22,402,000 |
| Total capital | 24,039,000 | 24,456,000 | 24,744,000 | 24,865,000 |
| Risk-weighted assets | 193,123,000 | 194,330,000 | 193,246,000 | 195,922,000 |