Call reports 2009
STATE BANK OF NEWBURG — 2009
What STATE BANK OF NEWBURG reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 130,372,000 | 135,030,000 | 137,946,000 | 146,741,000 |
| Total loans | 119,162,000 | 121,439,000 | 121,368,000 | 121,347,000 |
| Allowance for loan losses | 1,765,000 | 1,830,000 | 1,900,000 | 2,100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,052,000 | 4,640,000 | 6,021,000 | 6,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,886,000 | 111,037,000 | 113,492,000 | 122,420,000 |
| Interest-bearing deposits | 99,520,000 | 104,515,000 | 106,992,000 | 114,487,000 |
| Noninterest-bearing deposits | 7,366,000 | 6,522,000 | 6,500,000 | 7,933,000 |
| Equity capital | 17,289,000 | 17,795,000 | 18,295,000 | 18,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,092,000 | 4,201,000 | 6,274,000 | 8,351,000 |
| Interest expense | 843,000 | 1,638,000 | 2,388,000 | 3,082,000 |
| Net interest income | 1,249,000 | 2,563,000 | 3,886,000 | 5,269,000 |
| Noninterest income | 12,000 | 47,000 | 93,000 | 132,000 |
| Noninterest expense | 405,000 | 856,000 | 1,275,000 | 1,955,000 |
| Provision for loan losses | 80,000 | 150,000 | 218,000 | 434,000 |
| Pretax income | 776,000 | 1,604,000 | 2,486,000 | 3,012,000 |
| Income tax | 331,000 | 653,000 | 1,035,000 | 1,261,000 |
| Net income | 445,000 | 951,000 | 1,451,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,289,000 | 17,795,000 | 18,295,000 | 18,216,000 |
| Total capital | 18,690,000 | 19,240,000 | 19,751,000 | 19,692,000 |
| Risk-weighted assets | 111,735,000 | 115,243,000 | 116,069,000 | 117,436,000 |