Call reports 2019
STATE BANK OF NEWBURG — 2019
What STATE BANK OF NEWBURG reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 181,839,000 | 184,183,000 | 186,649,000 | 192,155,000 |
| Total loans | 145,169,000 | 146,597,000 | 143,739,000 | 146,229,000 |
| Allowance for loan losses | 2,181,000 | 2,183,000 | 2,179,000 | 2,178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,271,000 | 16,003,000 | 18,833,000 | 19,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,903,000 | 139,518,000 | 141,234,000 | 146,900,000 |
| Interest-bearing deposits | 124,427,000 | 124,737,000 | 126,401,000 | 131,933,000 |
| Noninterest-bearing deposits | 13,476,000 | 14,781,000 | 14,833,000 | 14,967,000 |
| Equity capital | 34,744,000 | 35,452,000 | 36,139,000 | 36,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,123,000 | 4,405,000 | 6,699,000 | 8,942,000 |
| Interest expense | 518,000 | 1,117,000 | 1,711,000 | 2,282,000 |
| Net interest income | 1,605,000 | 3,288,000 | 4,988,000 | 6,660,000 |
| Noninterest income | 96,000 | 141,000 | 221,000 | 291,000 |
| Noninterest expense | 766,000 | 1,521,000 | 2,256,000 | 3,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 935,000 | 1,908,000 | 2,953,000 | 3,930,000 |
| Income tax | 220,000 | 485,000 | 743,000 | 914,000 |
| Net income | 715,000 | 1,423,000 | 2,210,000 | 3,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,744,000 | 35,452,000 | 36,139,000 | 36,343,000 |
| Total capital | 36,437,000 | 37,202,000 | 37,833,000 | 38,040,000 |
| Risk-weighted assets | 135,002,000 | 139,598,000 | 135,040,000 | 135,313,000 |