Call reports 2001
STATE BANK OF COLD SPRING — 2001
What STATE BANK OF COLD SPRING reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 29,728,000 | 30,243,000 | 32,697,000 | 34,663,000 |
| Total loans | 21,117,000 | 21,749,000 | 21,649,000 | 20,796,000 |
| Allowance for loan losses | 283,000 | 287,000 | 297,000 | 281,000 |
| Securities available for sale | 202,000 | 404,000 | 409,000 | 407,000 |
| Securities held to maturity | 3,287,000 | 2,283,000 | 1,939,000 | 1,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,571,000 | 27,054,000 | 28,825,000 | 30,828,000 |
| Interest-bearing deposits | 22,043,000 | 22,610,000 | 23,962,000 | 25,346,000 |
| Noninterest-bearing deposits | 4,528,000 | 4,444,000 | 4,863,000 | 5,482,000 |
| Equity capital | 2,484,000 | 2,485,000 | 2,557,000 | 2,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,122,000 | 1,706,000 | 2,238,000 |
| Interest expense | 241,000 | 484,000 | 747,000 | 999,000 |
| Net interest income | 324,000 | 638,000 | 959,000 | 1,239,000 |
| Noninterest income | 38,000 | 75,000 | 113,000 | 183,000 |
| Noninterest expense | 249,000 | 497,000 | 749,000 | 986,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 107,000 | 204,000 | 305,000 | 412,000 |
| Income tax | 34,000 | 51,000 | 18,000 | 19,000 |
| Net income | 73,000 | 153,000 | 287,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,484,000 | 2,483,000 | 2,548,000 | 2,594,000 |
| Total capital | 2,725,000 | 2,735,000 | 2,839,000 | 2,875,000 |
| Risk-weighted assets | 19,265,000 | 20,153,000 | 23,270,000 | 23,640,000 |