Call reports 2002
STATE BANK OF COLD SPRING — 2002
What STATE BANK OF COLD SPRING reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 33,990,000 | 33,589,000 | 34,954,000 | 34,449,000 |
| Total loans | 19,974,000 | 21,253,000 | 24,091,000 | 22,883,000 |
| Allowance for loan losses | 286,000 | 271,000 | 265,000 | 291,000 |
| Securities available for sale | 1,438,000 | 1,466,000 | 463,000 | 463,000 |
| Securities held to maturity | 4,127,000 | 5,543,000 | 4,542,000 | 4,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,112,000 | 29,664,000 | 30,949,000 | 30,513,000 |
| Interest-bearing deposits | 24,815,000 | 24,341,000 | 24,103,000 | 23,200,000 |
| Noninterest-bearing deposits | 5,297,000 | 5,323,000 | 6,846,000 | 7,313,000 |
| Equity capital | 2,671,000 | 2,736,000 | 2,816,000 | 2,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 512,000 | 1,051,000 | 1,595,000 | 2,123,000 |
| Interest expense | 217,000 | 413,000 | 598,000 | 764,000 |
| Net interest income | 295,000 | 638,000 | 997,000 | 1,359,000 |
| Noninterest income | 40,000 | 82,000 | 123,000 | 193,000 |
| Noninterest expense | 243,000 | 508,000 | 777,000 | 1,076,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 42,000 |
| Pretax income | 92,000 | 212,000 | 337,000 | 434,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 90,000 | 207,000 | 330,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,684,000 | 2,720,000 | 2,803,000 | 2,818,000 |
| Total capital | 2,969,000 | 2,991,000 | 3,068,000 | 3,109,000 |
| Risk-weighted assets | 22,761,000 | 27,090,000 | 24,381,000 | 23,825,000 |