Call reports 2010
STATE BANK OF NEWBURG — 2010
What STATE BANK OF NEWBURG reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 138,349,000 | 140,200,000 | 146,365,000 | 155,088,000 |
| Total loans | 120,269,000 | 121,573,000 | 122,662,000 | 120,888,000 |
| Allowance for loan losses | 1,703,000 | 1,800,000 | 1,900,000 | 2,200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,593,000 | 8,722,000 | 7,996,000 | 17,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,414,000 | 119,792,000 | 125,065,000 | 133,795,000 |
| Interest-bearing deposits | 112,005,000 | 112,659,000 | 117,035,000 | 125,900,000 |
| Noninterest-bearing deposits | 6,409,000 | 7,133,000 | 8,030,000 | 7,895,000 |
| Equity capital | 18,621,000 | 19,337,000 | 19,959,000 | 19,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,981,000 | 3,991,000 | 6,077,000 | 8,131,000 |
| Interest expense | 636,000 | 1,198,000 | 1,752,000 | 2,256,000 |
| Net interest income | 1,345,000 | 2,793,000 | 4,325,000 | 5,875,000 |
| Noninterest income | 96,000 | 136,000 | 159,000 | 190,000 |
| Noninterest expense | 475,000 | 863,000 | 1,311,000 | 1,999,000 |
| Provision for loan losses | 280,000 | 378,000 | 478,000 | 777,000 |
| Pretax income | 686,000 | 1,688,000 | 2,695,000 | 3,289,000 |
| Income tax | 281,000 | 567,000 | 952,000 | 1,176,000 |
| Net income | 405,000 | 1,121,000 | 1,743,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,621,000 | 19,337,000 | 19,959,000 | 19,947,000 |
| Total capital | 20,073,000 | 20,785,000 | 21,424,000 | 21,433,000 |
| Risk-weighted assets | 115,950,000 | 115,457,000 | 116,798,000 | 118,127,000 |