Call reports 2016
STATE BANK OF COLD SPRING — 2016
What STATE BANK OF COLD SPRING reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,771,000 | 53,051,000 | 57,453,000 | 57,748,000 |
| Total loans | 28,438,000 | 28,960,000 | 28,757,000 | 29,865,000 |
| Allowance for loan losses | 313,000 | 280,000 | 226,000 | 215,000 |
| Securities available for sale | 5,972,000 | 5,525,000 | 5,509,000 | 7,564,000 |
| Securities held to maturity | 5,751,000 | 5,747,000 | 6,208,000 | 5,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,567,000 | 47,796,000 | 52,127,000 | 52,511,000 |
| Interest-bearing deposits | 34,349,000 | 35,112,000 | 38,188,000 | 37,873,000 |
| Noninterest-bearing deposits | 12,218,000 | 12,684,000 | 13,939,000 | 14,638,000 |
| Equity capital | 5,170,000 | 5,216,000 | 5,284,000 | 5,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 869,000 | 1,320,000 | 1,759,000 |
| Interest expense | 30,000 | 61,000 | 93,000 | 126,000 |
| Net interest income | 404,000 | 808,000 | 1,227,000 | 1,633,000 |
| Noninterest income | 79,000 | 133,000 | 212,000 | 289,000 |
| Noninterest expense | 391,000 | 791,000 | 1,176,000 | 1,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 150,000 | 263,000 | 337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 92,000 | 150,000 | 263,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,165,000 | 5,155,000 | 5,236,000 | 5,310,000 |
| Total capital | 5,478,000 | 5,435,000 | 5,462,000 | 5,525,000 |
| Risk-weighted assets | 29,600,000 | 29,836,000 | 30,582,000 | 31,415,000 |