Call reports 2013
STATE BANK OF NEWBURG — 2013
What STATE BANK OF NEWBURG reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 162,428,000 | 161,073,000 | 162,120,000 | 167,480,000 |
| Total loans | 128,231,000 | 127,438,000 | 127,756,000 | 124,507,000 |
| Allowance for loan losses | 2,623,000 | 2,700,000 | 2,700,000 | 2,300,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,295,000 | 23,349,000 | 23,194,000 | 26,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,731,000 | 134,576,000 | 134,881,000 | 140,440,000 |
| Interest-bearing deposits | 125,788,000 | 124,541,000 | 124,939,000 | 129,790,000 |
| Noninterest-bearing deposits | 10,943,000 | 10,035,000 | 9,942,000 | 10,650,000 |
| Equity capital | 24,728,000 | 25,467,000 | 26,166,000 | 26,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,841,000 | 5,691,000 | 7,521,000 |
| Interest expense | 312,000 | 617,000 | 921,000 | 1,216,000 |
| Net interest income | 1,609,000 | 3,224,000 | 4,770,000 | 6,305,000 |
| Noninterest income | 87,000 | 112,000 | 149,000 | 90,000 |
| Noninterest expense | 494,000 | 940,000 | 1,425,000 | 2,346,000 |
| Provision for loan losses | 160,000 | 236,000 | 236,000 | 445,000 |
| Pretax income | 1,042,000 | 2,160,000 | 3,258,000 | 3,604,000 |
| Income tax | 304,000 | 682,000 | 1,081,000 | 1,129,000 |
| Net income | 738,000 | 1,478,000 | 2,177,000 | 2,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,728,000 | 25,467,000 | 26,166,000 | 26,024,000 |
| Total capital | 26,317,000 | 27,040,000 | 27,740,000 | 27,564,000 |
| Risk-weighted assets | 126,053,000 | 124,748,000 | 124,795,000 | 122,438,000 |