Call reports 2014
STATE BANK OF COLD SPRING — 2014
What STATE BANK OF COLD SPRING reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 50,632,000 | 51,061,000 | 52,674,000 | 53,848,000 |
| Total loans | 27,394,000 | 27,880,000 | 26,541,000 | 27,194,000 |
| Allowance for loan losses | 316,000 | 319,000 | 321,000 | 324,000 |
| Securities available for sale | 2,532,000 | 2,530,000 | 2,524,000 | 2,516,000 |
| Securities held to maturity | 5,484,000 | 5,866,000 | 4,164,000 | 3,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,031,000 | 46,252,000 | 47,817,000 | 48,946,000 |
| Interest-bearing deposits | 34,586,000 | 34,612,000 | 35,543,000 | 36,803,000 |
| Noninterest-bearing deposits | 10,445,000 | 11,640,000 | 12,274,000 | 12,143,000 |
| Equity capital | 4,827,000 | 4,780,000 | 4,825,000 | 4,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 415,000 | 829,000 | 1,248,000 | 1,664,000 |
| Interest expense | 46,000 | 85,000 | 122,000 | 158,000 |
| Net interest income | 369,000 | 744,000 | 1,126,000 | 1,506,000 |
| Noninterest income | 80,000 | 123,000 | 199,000 | 267,000 |
| Noninterest expense | 381,000 | 815,000 | 1,223,000 | 1,602,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 52,000 | 102,000 | 171,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 52,000 | 102,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,796,000 | 4,752,000 | 4,802,000 | 4,858,000 |
| Total capital | 5,112,000 | 5,071,000 | 5,123,000 | 5,182,000 |
| Risk-weighted assets | 28,291,000 | 28,655,000 | 27,067,000 | 27,342,000 |