Call reports 2017
STATE BANK OF COLD SPRING — 2017
What STATE BANK OF COLD SPRING reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 56,189,000 | 58,966,000 | 59,067,000 | 58,791,000 |
| Total loans | 28,772,000 | 30,054,000 | 30,475,000 | 30,311,000 |
| Allowance for loan losses | 232,000 | 240,000 | 242,000 | 246,000 |
| Securities available for sale | 8,095,000 | 7,615,000 | 7,609,000 | 7,527,000 |
| Securities held to maturity | 5,515,000 | 5,898,000 | 6,291,000 | 6,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,787,000 | 53,504,000 | 53,500,000 | 53,152,000 |
| Interest-bearing deposits | 36,524,000 | 39,436,000 | 38,735,000 | 38,646,000 |
| Noninterest-bearing deposits | 14,263,000 | 14,068,000 | 14,765,000 | 14,506,000 |
| Equity capital | 5,358,000 | 5,419,000 | 5,519,000 | 5,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 928,000 | 1,419,000 | 1,901,000 |
| Interest expense | 33,000 | 66,000 | 100,000 | 134,000 |
| Net interest income | 430,000 | 862,000 | 1,319,000 | 1,767,000 |
| Noninterest income | 99,000 | 169,000 | 249,000 | 310,000 |
| Noninterest expense | 353,000 | 710,000 | 1,070,000 | 1,476,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 170,000 | 309,000 | 480,000 | 577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 170,000 | 309,000 | 480,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,445,000 | 5,472,000 | 5,575,000 | 5,672,000 |
| Total capital | 5,677,000 | 5,712,000 | 5,817,000 | 5,918,000 |
| Risk-weighted assets | 30,268,000 | 31,210,000 | 31,862,000 | 31,700,000 |