Call reports 2015
NEW WINDSOR STATE BANK — 2015
What NEW WINDSOR STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 285,979,000 | 286,364,000 | 294,421,000 | 295,524,000 |
| Total loans | 236,255,000 | 241,259,000 | 247,563,000 | 251,539,000 |
| Allowance for loan losses | 3,214,000 | 3,116,000 | 3,093,000 | 2,982,000 |
| Securities available for sale | 32,310,000 | 29,221,000 | 28,319,000 | 25,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,079,000 | 252,096,000 | 243,332,000 | 249,207,000 |
| Interest-bearing deposits | 186,496,000 | 185,052,000 | 179,727,000 | 183,922,000 |
| Noninterest-bearing deposits | 64,583,000 | 67,044,000 | 63,605,000 | 65,285,000 |
| Equity capital | 25,713,000 | 26,224,000 | 26,689,000 | 27,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,825,000 | 5,798,000 | 8,742,000 | 11,800,000 |
| Interest expense | 277,000 | 558,000 | 834,000 | 1,107,000 |
| Net interest income | 2,548,000 | 5,240,000 | 7,908,000 | 10,693,000 |
| Noninterest income | 513,000 | 1,142,000 | 1,800,000 | 2,410,000 |
| Noninterest expense | 2,290,000 | 4,710,000 | 7,184,000 | 9,810,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 771,000 | 1,672,000 | 2,524,000 | 3,293,000 |
| Income tax | 301,000 | 656,000 | 989,000 | 1,291,000 |
| Net income | 470,000 | 1,016,000 | 1,535,000 | 2,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,657,000 | 26,203,000 | 26,597,000 | 27,464,000 |
| Total capital | 28,503,000 | 29,094,000 | 29,576,000 | 30,446,000 |
| Risk-weighted assets | 227,283,000 | 231,078,000 | 238,167,000 | 244,902,000 |