Call reports 2011
STATE BANK OF COLD SPRING — 2011
What STATE BANK OF COLD SPRING reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 49,369,000 | 49,603,000 | 51,434,000 | 50,750,000 |
| Total loans | 33,802,000 | 32,941,000 | 32,385,000 | 32,233,000 |
| Allowance for loan losses | 718,000 | 522,000 | 536,000 | 530,000 |
| Securities available for sale | 0 | 1,028,000 | 1,554,000 | 1,549,000 |
| Securities held to maturity | 3,856,000 | 3,850,000 | 3,847,000 | 3,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,122,000 | 44,299,000 | 46,009,000 | 45,251,000 |
| Interest-bearing deposits | 35,959,000 | 36,089,000 | 37,275,000 | 36,742,000 |
| Noninterest-bearing deposits | 8,164,000 | 8,210,000 | 8,734,000 | 8,509,000 |
| Equity capital | 4,256,000 | 4,320,000 | 4,478,000 | 4,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,094,000 | 1,637,000 | 2,158,000 |
| Interest expense | 107,000 | 205,000 | 298,000 | 378,000 |
| Net interest income | 443,000 | 889,000 | 1,339,000 | 1,780,000 |
| Noninterest income | 71,000 | 139,000 | 168,000 | 237,000 |
| Noninterest expense | 368,000 | 816,000 | 1,132,000 | 1,520,000 |
| Provision for loan losses | 115,000 | 145,000 | 175,000 | 205,000 |
| Pretax income | 31,000 | 67,000 | 200,000 | 292,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 67,000 | 200,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,256,000 | 4,292,000 | 4,424,000 | 4,516,000 |
| Total capital | 4,679,000 | 4,699,000 | 4,816,000 | 4,909,000 |
| Risk-weighted assets | 33,506,000 | 32,468,000 | 31,224,000 | 32,192,000 |