Call reports 2015
STATE BANK OF NEWBURG — 2015
What STATE BANK OF NEWBURG reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 163,566,000 | 166,071,000 | 165,045,000 | 168,220,000 |
| Total loans | 132,144,000 | 133,218,000 | 129,121,000 | 127,466,000 |
| Allowance for loan losses | 2,300,000 | 2,381,000 | 2,368,000 | 2,303,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,377,000 | 23,989,000 | 29,358,000 | 26,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,652,000 | 135,965,000 | 134,212,000 | 137,687,000 |
| Interest-bearing deposits | 120,447,000 | 124,878,000 | 121,999,000 | 124,576,000 |
| Noninterest-bearing deposits | 10,205,000 | 11,087,000 | 12,213,000 | 13,111,000 |
| Equity capital | 28,451,000 | 28,825,000 | 29,439,000 | 29,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,540,000 | 5,334,000 | 7,134,000 |
| Interest expense | 263,000 | 529,000 | 798,000 | 1,061,000 |
| Net interest income | 1,515,000 | 3,011,000 | 4,536,000 | 6,073,000 |
| Noninterest income | 88,000 | 131,000 | 164,000 | 211,000 |
| Noninterest expense | 620,000 | 1,302,000 | 1,906,000 | 2,534,000 |
| Provision for loan losses | -3,000 | 95,000 | 5,000 | 3,000 |
| Pretax income | 986,000 | 1,745,000 | 2,789,000 | 3,747,000 |
| Income tax | 273,000 | 657,000 | 1,059,000 | 1,514,000 |
| Net income | 713,000 | 1,088,000 | 1,730,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,451,000 | 28,825,000 | 29,439,000 | 29,410,000 |
| Total capital | 30,040,000 | 30,392,000 | 30,976,000 | 30,942,000 |
| Risk-weighted assets | 126,437,000 | 124,578,000 | 122,175,000 | 121,843,000 |