Call reports 2003
STATE BANK OF NEWBURG — 2003
What STATE BANK OF NEWBURG reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 84,434,000 | 84,969,000 | 87,973,000 | 96,169,000 |
| Total loans | 63,154,000 | 67,184,000 | 69,229,000 | 73,006,000 |
| Allowance for loan losses | 620,000 | 670,000 | 690,000 | 720,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,015,000 | 9,309,000 | 11,007,000 | 10,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,911,000 | 74,129,000 | 76,938,000 | 85,181,000 |
| Interest-bearing deposits | 69,243,000 | 69,117,000 | 71,488,000 | 79,571,000 |
| Noninterest-bearing deposits | 4,668,000 | 5,012,000 | 5,450,000 | 5,610,000 |
| Equity capital | 9,424,000 | 9,670,000 | 10,036,000 | 10,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,689,000 | 4,024,000 | 5,421,000 |
| Interest expense | 531,000 | 1,016,000 | 1,482,000 | 1,944,000 |
| Net interest income | 815,000 | 1,673,000 | 2,542,000 | 3,477,000 |
| Noninterest income | 71,000 | 127,000 | 167,000 | 218,000 |
| Noninterest expense | 335,000 | 635,000 | 918,000 | 1,350,000 |
| Provision for loan losses | -3,000 | 45,000 | 65,000 | 285,000 |
| Pretax income | 554,000 | 1,120,000 | 1,726,000 | 2,060,000 |
| Income tax | 296,000 | 544,000 | 820,000 | 942,000 |
| Net income | 258,000 | 576,000 | 906,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,424,000 | 9,670,000 | 10,036,000 | 10,021,000 |
| Total capital | 10,044,000 | 10,340,000 | 10,726,000 | 10,741,000 |
| Risk-weighted assets | 60,232,000 | 61,672,000 | 64,358,000 | 67,707,000 |