Call reports 2020
STATE BANK OF COLD SPRING — 2020
What STATE BANK OF COLD SPRING reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 63,029,000 | 74,524,000 | 72,878,000 | 75,571,000 |
| Total loans | 38,344,000 | 40,158,000 | 37,291,000 | 34,242,000 |
| Allowance for loan losses | 339,000 | 343,000 | 357,000 | 375,000 |
| Securities available for sale | 6,151,000 | 4,635,000 | 4,122,000 | 3,599,000 |
| Securities held to maturity | 3,323,000 | 3,323,000 | 3,322,000 | 3,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,634,000 | 68,018,000 | 66,287,000 | 68,834,000 |
| Interest-bearing deposits | 39,463,000 | 47,472,000 | 46,163,000 | 48,148,000 |
| Noninterest-bearing deposits | 15,171,000 | 20,546,000 | 20,124,000 | 20,686,000 |
| Equity capital | 6,314,000 | 6,442,000 | 6,517,000 | 6,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,299,000 | 1,883,000 | 2,384,000 |
| Interest expense | 86,000 | 160,000 | 219,000 | 273,000 |
| Net interest income | 507,000 | 1,139,000 | 1,664,000 | 2,111,000 |
| Noninterest income | 72,000 | 135,000 | 216,000 | 360,000 |
| Noninterest expense | 406,000 | 813,000 | 1,212,000 | 1,707,000 |
| Provision for loan losses | 6,000 | 16,000 | 28,000 | 40,000 |
| Pretax income | 167,000 | 445,000 | 640,000 | 724,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 167,000 | 445,000 | 640,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,243,000 | 6,377,000 | 6,464,000 | 6,548,000 |