Call reports 2019
STATE BANK OF COLD SPRING — 2019
What STATE BANK OF COLD SPRING reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 60,737,000 | 63,360,000 | 63,282,000 | 64,452,000 |
| Total loans | 36,873,000 | 37,697,000 | 37,088,000 | 37,517,000 |
| Allowance for loan losses | 292,000 | 304,000 | 324,000 | 333,000 |
| Securities available for sale | 6,525,000 | 6,571,000 | 7,075,000 | 6,578,000 |
| Securities held to maturity | 3,362,000 | 3,363,000 | 3,362,000 | 3,345,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,741,000 | 55,327,000 | 55,102,000 | 56,126,000 |
| Interest-bearing deposits | 38,282,000 | 39,627,000 | 39,564,000 | 39,514,000 |
| Noninterest-bearing deposits | 16,459,000 | 15,700,000 | 15,538,000 | 16,612,000 |
| Equity capital | 5,919,000 | 5,982,000 | 6,100,000 | 6,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,133,000 | 1,730,000 | 2,320,000 |
| Interest expense | 67,000 | 134,000 | 219,000 | 305,000 |
| Net interest income | 498,000 | 999,000 | 1,511,000 | 2,015,000 |
| Noninterest income | 141,000 | 216,000 | 294,000 | 368,000 |
| Noninterest expense | 392,000 | 800,000 | 1,195,000 | 1,660,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 235,000 | 390,000 | 573,000 | 674,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 235,000 | 390,000 | 573,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,005,000 | 6,010,000 | 6,118,000 | 6,219,000 |
| Total capital | 6,297,000 | 6,314,000 | 6,442,000 | 6,552,000 |
| Risk-weighted assets | 36,319,000 | 36,372,000 | 35,853,000 | 35,974,000 |