Call reports 2021
STATE BANK OF COLD SPRING — 2021
What STATE BANK OF COLD SPRING reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 79,449,000 | 79,659,000 | 79,933,000 | 80,808,000 |
| Total loans | 33,374,000 | 31,305,000 | 28,805,000 | 28,760,000 |
| Allowance for loan losses | 375,000 | 375,000 | 375,000 | 371,000 |
| Securities available for sale | 11,672,000 | 23,592,000 | 22,668,000 | 21,939,000 |
| Securities held to maturity | 3,449,000 | 3,438,000 | 7,971,000 | 12,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,662,000 | 72,949,000 | 73,185,000 | 74,257,000 |
| Interest-bearing deposits | 49,363,000 | 51,341,000 | 51,332,000 | 51,360,000 |
| Noninterest-bearing deposits | 23,299,000 | 21,608,000 | 21,853,000 | 22,897,000 |
| Equity capital | 6,709,000 | 6,649,000 | 6,677,000 | 6,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,216,000 | 1,696,000 | 2,156,000 |
| Interest expense | 46,000 | 88,000 | 130,000 | 169,000 |
| Net interest income | 633,000 | 1,128,000 | 1,566,000 | 1,987,000 |
| Noninterest income | 102,000 | 176,000 | 284,000 | 357,000 |
| Noninterest expense | 405,000 | 810,000 | 1,247,000 | 1,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 330,000 | 494,000 | 603,000 | 572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 330,000 | 494,000 | 603,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,741,000 | 6,760,000 | 6,797,000 | 6,767,000 |
| Total capital | — | — | 7,153,000 | 7,118,000 |
| Risk-weighted assets | — | — | 28,515,000 | 28,092,000 |
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