Call reports 2015
STATE BANK OF COLD SPRING — 2015
What STATE BANK OF COLD SPRING reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 52,686,000 | 53,308,000 | 55,426,000 | 55,986,000 |
| Total loans | 27,146,000 | 27,228,000 | 28,110,000 | 28,846,000 |
| Allowance for loan losses | 325,000 | 328,000 | 334,000 | 330,000 |
| Securities available for sale | 2,516,000 | 2,011,000 | 2,512,000 | 4,894,000 |
| Securities held to maturity | 5,953,000 | 5,948,000 | 6,392,000 | 5,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,709,000 | 48,315,000 | 50,386,000 | 50,857,000 |
| Interest-bearing deposits | 35,574,000 | 37,110,000 | 36,883,000 | 36,582,000 |
| Noninterest-bearing deposits | 12,135,000 | 11,205,000 | 13,503,000 | 14,275,000 |
| Equity capital | 4,931,000 | 4,963,000 | 5,005,000 | 5,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 408,000 | 829,000 | 1,255,000 | 1,709,000 |
| Interest expense | 34,000 | 68,000 | 102,000 | 134,000 |
| Net interest income | 374,000 | 761,000 | 1,153,000 | 1,575,000 |
| Noninterest income | 83,000 | 182,000 | 253,000 | 339,000 |
| Noninterest expense | 371,000 | 741,000 | 1,128,000 | 1,510,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 202,000 | 278,000 | 404,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 86,000 | 202,000 | 278,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,916,000 | 4,953,000 | 5,000,000 | 5,127,000 |
| Total capital | 5,241,000 | 5,281,000 | 5,334,000 | 5,457,000 |
| Risk-weighted assets | 26,604,000 | 27,198,000 | 27,912,000 | 28,724,000 |