Call reports 2008
STATE BANK OF NEWBURG — 2008
What STATE BANK OF NEWBURG reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 129,485,000 | 131,655,000 | 130,879,000 | 133,739,000 |
| Total loans | 115,689,000 | 115,779,000 | 118,703,000 | 119,968,000 |
| Allowance for loan losses | 1,150,000 | 1,650,000 | 1,700,000 | 1,700,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,782,000 | 7,747,000 | 6,843,000 | 3,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,403,000 | 108,406,000 | 107,249,000 | 110,517,000 |
| Interest-bearing deposits | 100,899,000 | 100,732,000 | 100,014,000 | 102,741,000 |
| Noninterest-bearing deposits | 6,504,000 | 7,674,000 | 7,235,000 | 7,776,000 |
| Equity capital | 15,712,000 | 16,618,000 | 16,983,000 | 16,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,282,000 | 6,340,000 | 8,414,000 |
| Interest expense | 1,161,000 | 2,218,000 | 3,208,000 | 4,146,000 |
| Net interest income | 973,000 | 2,064,000 | 3,132,000 | 4,268,000 |
| Noninterest income | 63,000 | 109,000 | 150,000 | 183,000 |
| Noninterest expense | 397,000 | 806,000 | 1,193,000 | 1,805,000 |
| Provision for loan losses | 73,000 | 80,000 | 126,000 | 158,000 |
| Pretax income | 566,000 | 1,287,000 | 1,963,000 | 2,488,000 |
| Income tax | 247,000 | 551,000 | 862,000 | 1,151,000 |
| Net income | 319,000 | 736,000 | 1,101,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,712,000 | 16,618,000 | 16,983,000 | 16,844,000 |
| Total capital | 16,862,000 | 18,002,000 | 18,402,000 | 18,269,000 |
| Risk-weighted assets | 108,822,000 | 110,443,000 | 113,216,000 | 113,761,000 |