Call reports 2005
STATE BANK OF COLD SPRING — 2005
What STATE BANK OF COLD SPRING reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,310,000 | 44,351,000 | 46,685,000 | 49,286,000 |
| Total loans | 33,935,000 | 36,162,000 | 37,380,000 | 37,927,000 |
| Allowance for loan losses | 376,000 | 402,000 | 438,000 | 419,000 |
| Securities available for sale | 2,159,000 | 1,666,000 | 1,467,000 | 1,529,000 |
| Securities held to maturity | 3,816,000 | 3,819,000 | 3,822,000 | 3,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,439,000 | 37,346,000 | 37,103,000 | 40,591,000 |
| Interest-bearing deposits | 29,526,000 | 29,226,000 | 29,673,000 | 31,597,000 |
| Noninterest-bearing deposits | 6,913,000 | 8,120,000 | 7,430,000 | 8,994,000 |
| Equity capital | 3,261,000 | 3,373,000 | 3,441,000 | 3,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,189,000 | 1,857,000 | 2,548,000 |
| Interest expense | 157,000 | 325,000 | 521,000 | 752,000 |
| Net interest income | 416,000 | 864,000 | 1,336,000 | 1,796,000 |
| Noninterest income | 43,000 | 102,000 | 155,000 | 232,000 |
| Noninterest expense | 318,000 | 622,000 | 941,000 | 1,292,000 |
| Provision for loan losses | 23,000 | 45,000 | 108,000 | 130,000 |
| Pretax income | 118,000 | 299,000 | 442,000 | 606,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 299,000 | 442,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,276,000 | 3,382,000 | 3,450,000 | 3,494,000 |
| Total capital | 3,652,000 | 3,784,000 | 3,888,000 | 3,913,000 |
| Risk-weighted assets | 31,861,000 | 33,962,000 | 35,356,000 | 36,335,000 |