Call reports 2006
STATE BANK OF COLD SPRING — 2006
What STATE BANK OF COLD SPRING reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 46,931,000 | 47,197,000 | 45,216,000 | 47,750,000 |
| Total loans | 37,005,000 | 36,729,000 | 37,277,000 | 37,431,000 |
| Allowance for loan losses | 449,000 | 465,000 | 437,000 | 437,000 |
| Securities available for sale | 1,028,000 | 1,025,000 | 743,000 | 745,000 |
| Securities held to maturity | 3,952,000 | 3,951,000 | 3,860,000 | 3,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,240,000 | 39,472,000 | 37,851,000 | 41,368,000 |
| Interest-bearing deposits | 30,218,000 | 30,959,000 | 29,598,000 | 32,702,000 |
| Noninterest-bearing deposits | 8,022,000 | 8,513,000 | 8,253,000 | 8,666,000 |
| Equity capital | 3,567,000 | 3,583,000 | 3,674,000 | 3,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 703,000 | 1,400,000 | 2,090,000 | 2,798,000 |
| Interest expense | 236,000 | 466,000 | 724,000 | 996,000 |
| Net interest income | 467,000 | 934,000 | 1,366,000 | 1,802,000 |
| Noninterest income | 65,000 | 113,000 | 166,000 | 230,000 |
| Noninterest expense | 326,000 | 642,000 | 962,000 | 1,332,000 |
| Provision for loan losses | 23,000 | 38,000 | 38,000 | 38,000 |
| Pretax income | 183,000 | 367,000 | 532,000 | 662,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 183,000 | 367,000 | 532,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,578,000 | 3,596,000 | 3,680,000 | 3,755,000 |
| Total capital | 4,018,000 | 4,029,000 | 4,114,000 | 4,192,000 |
| Risk-weighted assets | 35,161,000 | 34,604,000 | 34,740,000 | 35,154,000 |