Call reports 2009
STATE BANK OF COLD SPRING — 2009
What STATE BANK OF COLD SPRING reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 47,499,000 | 50,588,000 | 50,342,000 | 51,561,000 |
| Total loans | 39,848,000 | 39,710,000 | 38,224,000 | 38,162,000 |
| Allowance for loan losses | 465,000 | 390,000 | 423,000 | 453,000 |
| Securities available for sale | 823,000 | 1,320,000 | 1,020,000 | 1,015,000 |
| Securities held to maturity | 2,654,000 | 2,666,000 | 2,654,000 | 4,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,077,000 | 45,236,000 | 44,929,000 | 46,054,000 |
| Interest-bearing deposits | 35,056,000 | 37,684,000 | 37,373,000 | 38,196,000 |
| Noninterest-bearing deposits | 8,021,000 | 7,552,000 | 7,556,000 | 7,857,000 |
| Equity capital | 4,283,000 | 4,149,000 | 4,256,000 | 4,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 677,000 | 1,339,000 | 1,978,000 | 2,609,000 |
| Interest expense | 210,000 | 408,000 | 608,000 | 788,000 |
| Net interest income | 467,000 | 931,000 | 1,370,000 | 1,821,000 |
| Noninterest income | 85,000 | 176,000 | 262,000 | 337,000 |
| Noninterest expense | 371,000 | 785,000 | 1,173,000 | 1,529,000 |
| Provision for loan losses | 5,000 | 120,000 | 150,000 | 180,000 |
| Pretax income | 176,000 | 202,000 | 309,000 | 449,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 202,000 | 309,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,265,000 | 4,134,000 | 4,241,000 | 4,381,000 |
| Total capital | 4,730,000 | 4,524,000 | 4,664,000 | 4,834,000 |
| Risk-weighted assets | 38,141,000 | 38,315,000 | 36,948,000 | 37,745,000 |