Call reports 2010
STATE BANK OF COLD SPRING — 2010
What STATE BANK OF COLD SPRING reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,013,000 | 49,386,000 | 52,936,000 | 52,248,000 |
| Total loans | 37,771,000 | 37,271,000 | 35,904,000 | 35,121,000 |
| Allowance for loan losses | 354,000 | 455,000 | 457,000 | 593,000 |
| Securities available for sale | 1,012,000 | 1,010,000 | 1,010,000 | 2,472,000 |
| Securities held to maturity | 3,492,000 | 3,489,000 | 3,176,000 | 1,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,521,000 | 42,886,000 | 46,287,000 | 46,064,000 |
| Interest-bearing deposits | 33,989,000 | 35,503,000 | 38,144,000 | 37,657,000 |
| Noninterest-bearing deposits | 7,533,000 | 7,383,000 | 8,143,000 | 8,407,000 |
| Equity capital | 4,418,000 | 4,450,000 | 4,622,000 | 4,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,195,000 | 1,815,000 | 2,402,000 |
| Interest expense | 139,000 | 269,000 | 397,000 | 519,000 |
| Net interest income | 475,000 | 926,000 | 1,418,000 | 1,883,000 |
| Noninterest income | 115,000 | 188,000 | 266,000 | 333,000 |
| Noninterest expense | 381,000 | 722,000 | 1,086,000 | 1,470,000 |
| Provision for loan losses | 160,000 | 460,000 | 490,000 | 740,000 |
| Pretax income | 49,000 | -68,000 | 108,000 | 6,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 49,000 | -68,000 | 108,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,408,000 | 4,442,000 | 4,619,000 | 4,224,000 |
| Total capital | 4,762,000 | 4,897,000 | 5,071,000 | 4,645,000 |
| Risk-weighted assets | 36,756,000 | 36,920,000 | 37,274,000 | 34,862,000 |
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