Call reports 2004
STATE BANK OF COLD SPRING — 2004
What STATE BANK OF COLD SPRING reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,432,000 | 38,265,000 | 39,683,000 | 43,943,000 |
| Total loans | 29,654,000 | 31,420,000 | 32,845,000 | 32,897,000 |
| Allowance for loan losses | 325,000 | 340,000 | 347,000 | 379,000 |
| Securities available for sale | 701,000 | 691,000 | 944,000 | 2,169,000 |
| Securities held to maturity | 3,354,000 | 3,639,000 | 3,246,000 | 3,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,332,000 | 34,170,000 | 35,483,000 | 37,193,000 |
| Interest-bearing deposits | 27,760,000 | 27,903,000 | 27,733,000 | 30,073,000 |
| Noninterest-bearing deposits | 6,572,000 | 6,267,000 | 7,750,000 | 7,120,000 |
| Equity capital | 3,097,000 | 3,092,000 | 3,189,000 | 3,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,055,000 | 1,607,000 | 2,182,000 |
| Interest expense | 112,000 | 223,000 | 335,000 | 474,000 |
| Net interest income | 413,000 | 832,000 | 1,272,000 | 1,708,000 |
| Noninterest income | 45,000 | 93,000 | 132,000 | 180,000 |
| Noninterest expense | 295,000 | 593,000 | 898,000 | 1,253,000 |
| Provision for loan losses | 12,000 | 40,000 | 55,000 | 145,000 |
| Pretax income | 151,000 | 292,000 | 451,000 | 490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 292,000 | 451,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,090,000 | 3,095,000 | 3,186,000 | 3,158,000 |
| Total capital | 3,415,000 | 3,435,000 | 3,533,000 | 3,537,000 |
| Risk-weighted assets | 28,766,000 | 29,873,000 | 31,243,000 | 31,534,000 |