Call reports 2014
STATE BANK OF NEWBURG — 2014
What STATE BANK OF NEWBURG reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 160,066,000 | 159,595,000 | 162,120,000 | 166,614,000 |
| Total loans | 126,411,000 | 125,495,000 | 129,211,000 | 130,405,000 |
| Allowance for loan losses | 2,400,000 | 2,400,000 | 2,400,000 | 2,400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,895,000 | 25,043,000 | 25,904,000 | 24,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,501,000 | 131,437,000 | 131,225,000 | 137,828,000 |
| Interest-bearing deposits | 123,136,000 | 121,719,000 | 120,742,000 | 124,831,000 |
| Noninterest-bearing deposits | 9,365,000 | 9,718,000 | 10,483,000 | 12,997,000 |
| Equity capital | 26,507,000 | 27,110,000 | 27,770,000 | 27,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,571,000 | 5,357,000 | 7,165,000 |
| Interest expense | 282,000 | 556,000 | 833,000 | 1,107,000 |
| Net interest income | 1,460,000 | 3,015,000 | 4,524,000 | 6,058,000 |
| Noninterest income | 81,000 | -1,000 | 7,000 | 64,000 |
| Noninterest expense | 625,000 | 1,101,000 | 1,576,000 | 2,461,000 |
| Provision for loan losses | 102,000 | 104,000 | 103,000 | 99,000 |
| Pretax income | 814,000 | 1,809,000 | 2,852,000 | 3,562,000 |
| Income tax | 331,000 | 723,000 | 1,106,000 | 1,380,000 |
| Net income | 483,000 | 1,086,000 | 1,746,000 | 2,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,507,000 | 27,110,000 | 27,770,000 | 27,738,000 |
| Total capital | 28,031,000 | 28,630,000 | 29,343,000 | 29,309,000 |
| Risk-weighted assets | 121,036,000 | 120,689,000 | 125,000,000 | 124,872,000 |