Call reports 2007
STATE BANK OF NEWBURG — 2007
What STATE BANK OF NEWBURG reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 129,652,000 | 130,863,000 | 130,245,000 | 131,872,000 |
| Total loans | 113,556,000 | 116,948,000 | 116,738,000 | 115,578,000 |
| Allowance for loan losses | 860,000 | 860,000 | 860,000 | 1,650,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,459,000 | 6,988,000 | 6,627,000 | 6,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,228,000 | 109,141,000 | 108,008,000 | 109,681,000 |
| Interest-bearing deposits | 101,397,000 | 101,776,000 | 100,438,000 | 102,307,000 |
| Noninterest-bearing deposits | 6,831,000 | 7,365,000 | 7,569,000 | 7,374,000 |
| Equity capital | 14,969,000 | 15,301,000 | 15,775,000 | 15,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,211,000 | 4,543,000 | 6,848,000 | 9,082,000 |
| Interest expense | 1,135,000 | 2,353,000 | 3,599,000 | 4,811,000 |
| Net interest income | 1,076,000 | 2,190,000 | 3,249,000 | 4,271,000 |
| Noninterest income | 70,000 | 107,000 | 164,000 | 211,000 |
| Noninterest expense | 362,000 | 702,000 | 1,049,000 | 1,555,000 |
| Provision for loan losses | -4,000 | 210,000 | 300,000 | 1,081,000 |
| Pretax income | 788,000 | 1,385,000 | 2,064,000 | 1,846,000 |
| Income tax | 284,000 | 549,000 | 754,000 | 858,000 |
| Net income | 504,000 | 836,000 | 1,310,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,969,000 | 15,301,000 | 15,775,000 | 15,840,000 |
| Total capital | 15,829,000 | 16,161,000 | 16,635,000 | 17,219,000 |
| Risk-weighted assets | 105,084,000 | 106,882,000 | 109,365,000 | 110,067,000 |