Call reports 2008
STATE BANK OF COLD SPRING — 2008
What STATE BANK OF COLD SPRING reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,413,000 | 49,106,000 | 47,474,000 | 48,939,000 |
| Total loans | 39,273,000 | 39,106,000 | 40,144,000 | 40,136,000 |
| Allowance for loan losses | 515,000 | 458,000 | 475,000 | 462,000 |
| Securities available for sale | 1,527,000 | 1,520,000 | 2,322,000 | 1,330,000 |
| Securities held to maturity | 3,086,000 | 3,087,000 | 2,538,000 | 3,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,160,000 | 44,835,000 | 43,057,000 | 44,291,000 |
| Interest-bearing deposits | 36,591,000 | 36,443,000 | 35,974,000 | 37,068,000 |
| Noninterest-bearing deposits | 8,570,000 | 8,391,000 | 7,083,000 | 7,223,000 |
| Equity capital | 4,027,000 | 4,036,000 | 4,162,000 | 4,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,502,000 | 2,275,000 | 2,942,000 |
| Interest expense | 311,000 | 588,000 | 858,000 | 1,118,000 |
| Net interest income | 454,000 | 914,000 | 1,417,000 | 1,824,000 |
| Noninterest income | 71,000 | 133,000 | 197,000 | 291,000 |
| Noninterest expense | 339,000 | 684,000 | 1,041,000 | 1,401,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 171,000 | 343,000 | 553,000 | 694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 343,000 | 553,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,002,000 | 4,021,000 | 4,155,000 | 4,421,000 |
| Total capital | 4,467,000 | 4,479,000 | 4,625,000 | 4,883,000 |
| Risk-weighted assets | 37,187,000 | 37,322,000 | 37,610,000 | 38,516,000 |