Call reports 2014
NEW WINDSOR STATE BANK — 2014
What NEW WINDSOR STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 283,495,000 | 288,677,000 | 281,303,000 | 282,974,000 |
| Total loans | 224,000,000 | 232,166,000 | 233,443,000 | 235,884,000 |
| Allowance for loan losses | 3,547,000 | 3,582,000 | 3,518,000 | 3,487,000 |
| Securities available for sale | 45,799,000 | 40,803,000 | 35,799,000 | 32,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,128,000 | 241,975,000 | 236,526,000 | 240,276,000 |
| Interest-bearing deposits | 191,193,000 | 186,337,000 | 181,149,000 | 179,998,000 |
| Noninterest-bearing deposits | 54,935,000 | 55,638,000 | 55,377,000 | 60,278,000 |
| Equity capital | 24,114,000 | 24,522,000 | 24,805,000 | 25,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,758,000 | 5,568,000 | 8,444,000 | 11,281,000 |
| Interest expense | 388,000 | 755,000 | 1,105,000 | 1,397,000 |
| Net interest income | 2,370,000 | 4,813,000 | 7,339,000 | 9,884,000 |
| Noninterest income | 498,000 | 982,000 | 1,530,000 | 1,987,000 |
| Noninterest expense | 2,242,000 | 4,523,000 | 6,886,000 | 9,251,000 |
| Provision for loan losses | 70,000 | 110,000 | 110,000 | 110,000 |
| Pretax income | 556,000 | 1,141,000 | 1,838,000 | 2,473,000 |
| Income tax | 214,000 | 441,000 | 712,000 | 960,000 |
| Net income | 342,000 | 700,000 | 1,126,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,092,000 | 24,447,000 | 24,764,000 | 25,063,000 |
| Total capital | 26,764,000 | 27,229,000 | 27,582,000 | 27,888,000 |
| Risk-weighted assets | 212,853,000 | 221,784,000 | 224,777,000 | 225,377,000 |