Call reports 2013
NEW WINDSOR STATE BANK — 2013
What NEW WINDSOR STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 272,426,000 | 274,634,000 | 274,761,000 | 279,527,000 |
| Total loans | 201,929,000 | 204,577,000 | 205,510,000 | 218,196,000 |
| Allowance for loan losses | 3,685,000 | 3,616,000 | 3,543,000 | 3,465,000 |
| Securities available for sale | 41,072,000 | 43,242,000 | 47,784,000 | 49,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,860,000 | 250,747,000 | 250,282,000 | 245,691,000 |
| Interest-bearing deposits | 198,429,000 | 199,238,000 | 199,594,000 | 193,116,000 |
| Noninterest-bearing deposits | 49,431,000 | 51,509,000 | 50,688,000 | 52,575,000 |
| Equity capital | 23,427,000 | 22,905,000 | 23,403,000 | 23,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,678,000 | 5,293,000 | 7,952,000 | 10,621,000 |
| Interest expense | 578,000 | 1,140,000 | 1,682,000 | 2,175,000 |
| Net interest income | 2,100,000 | 4,153,000 | 6,270,000 | 8,446,000 |
| Noninterest income | 455,000 | 1,033,000 | 1,619,000 | 2,139,000 |
| Noninterest expense | 2,208,000 | 4,493,000 | 6,696,000 | 8,933,000 |
| Provision for loan losses | 60,000 | 95,000 | 95,000 | 145,000 |
| Pretax income | 287,000 | 598,000 | 1,098,000 | 1,508,000 |
| Income tax | 109,000 | 227,000 | 419,000 | 576,000 |
| Net income | 178,000 | 371,000 | 679,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,448,000 | 22,829,000 | 23,144,000 | 23,779,000 |
| Total capital | 24,906,000 | 25,340,000 | 25,652,000 | 26,390,000 |
| Risk-weighted assets | 195,377,000 | 199,770,000 | 199,615,000 | 208,014,000 |