Call reports 2007
STATE BANK OF COLD SPRING — 2007
What STATE BANK OF COLD SPRING reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,065,000 | 50,485,000 | 47,868,000 | 50,480,000 |
| Total loans | 38,388,000 | 39,109,000 | 37,919,000 | 39,388,000 |
| Allowance for loan losses | 462,000 | 487,000 | 497,000 | 473,000 |
| Securities available for sale | 2,242,000 | 2,236,000 | 2,004,000 | 1,512,000 |
| Securities held to maturity | 3,274,000 | 3,068,000 | 3,191,000 | 3,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,578,000 | 43,946,000 | 43,688,000 | 46,210,000 |
| Interest-bearing deposits | 32,971,000 | 34,566,000 | 34,985,000 | 37,796,000 |
| Noninterest-bearing deposits | 8,607,000 | 9,380,000 | 8,702,000 | 8,414,000 |
| Equity capital | 3,775,000 | 3,814,000 | 3,925,000 | 4,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,507,000 | 2,267,000 | 3,050,000 |
| Interest expense | 303,000 | 625,000 | 953,000 | 1,274,000 |
| Net interest income | 433,000 | 882,000 | 1,314,000 | 1,776,000 |
| Noninterest income | 48,000 | 104,000 | 161,000 | 229,000 |
| Noninterest expense | 345,000 | 667,000 | 985,000 | 1,326,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 85,000 |
| Pretax income | 121,000 | 289,000 | 445,000 | 594,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 119,000 | 287,000 | 443,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,774,000 | 3,822,000 | 3,918,000 | 4,067,000 |
| Total capital | 4,223,000 | 4,288,000 | 4,366,000 | 4,540,000 |
| Risk-weighted assets | 35,878,000 | 37,247,000 | 35,822,000 | 37,897,000 |