Call reports 2016
NEW WINDSOR STATE BANK — 2016
What NEW WINDSOR STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 292,782,000 | 306,756,000 | 312,011,000 | 309,183,000 |
| Total loans | 253,231,000 | 262,676,000 | 264,713,000 | 267,433,000 |
| Allowance for loan losses | 2,819,000 | 2,826,000 | 2,826,000 | 2,829,000 |
| Securities available for sale | 23,443,000 | 22,970,000 | 24,438,000 | 23,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,827,000 | 263,972,000 | 272,967,000 | 279,893,000 |
| Interest-bearing deposits | 186,347,000 | 194,591,000 | 200,943,000 | 206,834,000 |
| Noninterest-bearing deposits | 66,480,000 | 69,381,000 | 72,024,000 | 73,059,000 |
| Equity capital | 27,978,000 | 28,510,000 | 28,764,000 | 28,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,015,000 | 5,979,000 | 9,061,000 | 12,111,000 |
| Interest expense | 268,000 | 539,000 | 837,000 | 1,158,000 |
| Net interest income | 2,747,000 | 5,440,000 | 8,224,000 | 10,953,000 |
| Noninterest income | 569,000 | 1,271,000 | 1,889,000 | 2,569,000 |
| Noninterest expense | 2,624,000 | 5,292,000 | 8,001,000 | 10,835,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 692,000 | 1,419,000 | 2,238,000 | 2,813,000 |
| Income tax | 271,000 | 551,000 | 865,000 | 1,083,000 |
| Net income | 421,000 | 868,000 | 1,373,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,884,000 | 28,332,000 | 28,711,000 | 28,669,000 |
| Total capital | 30,703,000 | 31,188,000 | 31,567,000 | 31,528,000 |
| Risk-weighted assets | 246,084,000 | 259,258,000 | 262,744,000 | 265,787,000 |