Call reports 2002
STATE BANK OF NEWBURG — 2002
What STATE BANK OF NEWBURG reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 71,298,000 | 73,352,000 | 76,134,000 | 88,199,000 |
| Total loans | 55,225,000 | 59,278,000 | 61,062,000 | 61,164,000 |
| Allowance for loan losses | 550,000 | 590,000 | 620,000 | 620,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,234,000 | 8,225,000 | 8,222,000 | 8,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,323,000 | 63,258,000 | 65,594,000 | 77,880,000 |
| Interest-bearing deposits | 56,476,000 | 58,381,000 | 60,880,000 | 73,145,000 |
| Noninterest-bearing deposits | 4,847,000 | 4,877,000 | 4,714,000 | 4,735,000 |
| Equity capital | 8,792,000 | 9,131,000 | 9,308,000 | 9,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,235,000 | 2,568,000 | 3,983,000 | 5,328,000 |
| Interest expense | 562,000 | 1,096,000 | 1,635,000 | 2,189,000 |
| Net interest income | 673,000 | 1,472,000 | 2,348,000 | 3,139,000 |
| Noninterest income | 63,000 | 121,000 | 171,000 | 205,000 |
| Noninterest expense | 295,000 | 559,000 | 857,000 | 1,330,000 |
| Provision for loan losses | 30,000 | 70,000 | 100,000 | 282,000 |
| Pretax income | 411,000 | 964,000 | 1,562,000 | 1,732,000 |
| Income tax | 225,000 | 439,000 | 687,000 | 789,000 |
| Net income | 186,000 | 525,000 | 875,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,792,000 | 9,131,000 | 9,308,000 | 9,166,000 |
| Total capital | 9,342,000 | 9,721,000 | 9,928,000 | 9,786,000 |
| Risk-weighted assets | 52,895,000 | 55,609,000 | 57,150,000 | 59,671,000 |