Call reports 2012
STATE BANK OF NEWBURG — 2012
What STATE BANK OF NEWBURG reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 160,781,000 | 158,447,000 | 160,086,000 | 167,974,000 |
| Total loans | 123,429,000 | 123,726,000 | 122,951,000 | 125,829,000 |
| Allowance for loan losses | 2,600,000 | 2,700,000 | 2,800,000 | 2,800,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,414,000 | 27,607,000 | 30,083,000 | 30,227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,040,000 | 134,021,000 | 135,059,000 | 143,039,000 |
| Interest-bearing deposits | 127,276,000 | 124,567,000 | 124,880,000 | 130,530,000 |
| Noninterest-bearing deposits | 9,764,000 | 9,454,000 | 10,179,000 | 12,509,000 |
| Equity capital | 22,753,000 | 23,419,000 | 24,048,000 | 23,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 3,946,000 | 5,837,000 | 7,696,000 |
| Interest expense | 410,000 | 783,000 | 1,136,000 | 1,465,000 |
| Net interest income | 1,589,000 | 3,163,000 | 4,701,000 | 6,231,000 |
| Noninterest income | 72,000 | 151,000 | 226,000 | 282,000 |
| Noninterest expense | 507,000 | 895,000 | 1,314,000 | 2,116,000 |
| Provision for loan losses | 101,000 | 200,000 | 320,000 | 597,000 |
| Pretax income | 1,053,000 | 2,219,000 | 3,293,000 | 3,800,000 |
| Income tax | 247,000 | 747,000 | 1,192,000 | 1,325,000 |
| Net income | 806,000 | 1,472,000 | 2,101,000 | 2,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,753,000 | 23,419,000 | 24,048,000 | 23,989,000 |
| Total capital | 24,280,000 | 24,930,000 | 25,578,000 | 25,570,000 |
| Risk-weighted assets | 121,054,000 | 119,669,000 | 121,102,000 | 125,284,000 |