Call reports 2013
STATE BANK OF COLD SPRING — 2013
What STATE BANK OF COLD SPRING reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 51,355,000 | 51,083,000 | 51,820,000 | 53,332,000 |
| Total loans | 28,531,000 | 29,723,000 | 29,523,000 | 28,906,000 |
| Allowance for loan losses | 527,000 | 564,000 | 463,000 | 465,000 |
| Securities available for sale | 1,556,000 | 1,546,000 | 1,544,000 | 1,539,000 |
| Securities held to maturity | 3,811,000 | 3,808,000 | 3,305,000 | 3,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,812,000 | 45,512,000 | 46,230,000 | 47,765,000 |
| Interest-bearing deposits | 35,013,000 | 34,691,000 | 35,340,000 | 36,668,000 |
| Noninterest-bearing deposits | 10,799,000 | 10,821,000 | 10,890,000 | 11,097,000 |
| Equity capital | 4,678,000 | 4,732,000 | 4,772,000 | 4,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 846,000 | 1,305,000 | 1,743,000 |
| Interest expense | 52,000 | 101,000 | 151,000 | 198,000 |
| Net interest income | 371,000 | 745,000 | 1,154,000 | 1,545,000 |
| Noninterest income | 64,000 | 126,000 | 186,000 | 250,000 |
| Noninterest expense | 389,000 | 741,000 | 1,135,000 | 1,542,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 130,000 | 205,000 | 253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 130,000 | 205,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,622,000 | 4,687,000 | 4,728,000 | 4,747,000 |
| Total capital | 4,962,000 | 5,043,000 | 5,072,000 | 5,085,000 |
| Risk-weighted assets | 29,430,000 | 29,899,000 | 29,025,000 | 28,279,000 |