Call reports 2018
STATE BANK OF COLD SPRING — 2018
What STATE BANK OF COLD SPRING reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 58,282,000 | 60,302,000 | 63,006,000 | 64,622,000 |
| Total loans | 31,761,000 | 33,825,000 | 35,489,000 | 36,983,000 |
| Allowance for loan losses | 228,000 | 240,000 | 252,000 | 280,000 |
| Securities available for sale | 7,464,000 | 7,444,000 | 7,428,000 | 6,965,000 |
| Securities held to maturity | 5,903,000 | 5,403,000 | 4,562,000 | 4,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,767,000 | 53,763,000 | 55,363,000 | 57,742,000 |
| Interest-bearing deposits | 38,642,000 | 39,723,000 | 39,820,000 | 39,932,000 |
| Noninterest-bearing deposits | 14,125,000 | 14,040,000 | 15,543,000 | 17,810,000 |
| Equity capital | 5,463,000 | 5,494,000 | 5,587,000 | 5,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 1,002,000 | 1,536,000 | 2,144,000 |
| Interest expense | 38,000 | 81,000 | 131,000 | 203,000 |
| Net interest income | 445,000 | 921,000 | 1,405,000 | 1,941,000 |
| Noninterest income | 72,000 | 139,000 | 225,000 | 296,000 |
| Noninterest expense | 382,000 | 767,000 | 1,160,000 | 1,593,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 68,000 |
| Pretax income | 123,000 | 269,000 | 434,000 | 576,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 269,000 | 434,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,645,000 | 5,683,000 | 5,788,000 | 5,930,000 |
| Total capital | 5,873,000 | 5,923,000 | 6,040,000 | 6,210,000 |
| Risk-weighted assets | 32,912,000 | 34,589,000 | 35,663,000 | 37,054,000 |