Call reports 2012
STATE BANK OF COLD SPRING — 2012
What STATE BANK OF COLD SPRING reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 50,228,000 | 51,063,000 | 51,874,000 | 53,315,000 |
| Total loans | 31,506,000 | 30,871,000 | 29,385,000 | 29,568,000 |
| Allowance for loan losses | 539,000 | 626,000 | 528,000 | 529,000 |
| Securities available for sale | 1,553,000 | 1,560,000 | 1,564,000 | 1,561,000 |
| Securities held to maturity | 3,591,000 | 3,589,000 | 3,507,000 | 3,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,754,000 | 45,608,000 | 46,279,000 | 47,817,000 |
| Interest-bearing deposits | 35,477,000 | 36,202,000 | 35,768,000 | 36,445,000 |
| Noninterest-bearing deposits | 9,277,000 | 9,406,000 | 10,511,000 | 11,372,000 |
| Equity capital | 4,560,000 | 4,559,000 | 4,715,000 | 4,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,002,000 | 1,461,000 | 1,914,000 |
| Interest expense | 74,000 | 143,000 | 204,000 | 262,000 |
| Net interest income | 446,000 | 859,000 | 1,257,000 | 1,652,000 |
| Noninterest income | 66,000 | 84,000 | 211,000 | 252,000 |
| Noninterest expense | 413,000 | 812,000 | 1,273,000 | 1,719,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -100,000 |
| Pretax income | 99,000 | 131,000 | 295,000 | 285,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 131,000 | 295,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,507,000 | 4,500,000 | 4,652,000 | 4,576,000 |
| Total capital | 4,899,000 | 4,894,000 | 5,010,000 | 4,922,000 |
| Risk-weighted assets | 32,599,000 | 32,889,000 | 31,500,000 | 28,957,000 |