Call reports 2003
STATE BANK OF COLD SPRING — 2003
What STATE BANK OF COLD SPRING reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 33,948,000 | 34,452,000 | 37,112,000 | 38,624,000 |
| Total loans | 23,509,000 | 25,606,000 | 26,788,000 | 29,392,000 |
| Allowance for loan losses | 290,000 | 298,000 | 287,000 | 311,000 |
| Securities available for sale | 460,000 | 458,000 | 205,000 | 699,000 |
| Securities held to maturity | 3,262,000 | 4,152,000 | 3,926,000 | 3,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,991,000 | 30,474,000 | 33,045,000 | 34,587,000 |
| Interest-bearing deposits | 23,466,000 | 24,211,000 | 26,198,000 | 27,361,000 |
| Noninterest-bearing deposits | 6,525,000 | 6,263,000 | 6,847,000 | 7,226,000 |
| Equity capital | 2,878,000 | 2,905,000 | 2,998,000 | 3,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 476,000 | 968,000 | 1,475,000 | 2,014,000 |
| Interest expense | 131,000 | 259,000 | 380,000 | 504,000 |
| Net interest income | 345,000 | 709,000 | 1,095,000 | 1,510,000 |
| Noninterest income | 43,000 | 86,000 | 130,000 | 186,000 |
| Noninterest expense | 282,000 | 564,000 | 848,000 | 1,156,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 60,000 |
| Pretax income | 100,000 | 219,000 | 359,000 | 480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 219,000 | 359,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,868,000 | 2,897,000 | 2,993,000 | 3,030,000 |
| Total capital | 3,158,000 | 3,195,000 | 3,280,000 | 3,341,000 |
| Risk-weighted assets | 24,114,000 | 25,920,000 | 27,107,000 | 28,292,000 |