Call reports 2022
STATE BANK OF COLD SPRING — 2022
What STATE BANK OF COLD SPRING reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 81,069,000 | 99,573,000 | 99,897,000 | 101,066,000 |
| Total loans | 29,469,000 | 28,396,000 | 30,281,000 | 37,289,000 |
| Allowance for loan losses | 370,000 | 369,000 | 369,000 | 362,000 |
| Securities available for sale | 20,773,000 | 19,821,000 | 19,202,000 | 18,985,000 |
| Securities held to maturity | 12,099,000 | 16,398,000 | 28,115,000 | 31,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,710,000 | 94,724,000 | 95,527,000 | 93,211,000 |
| Interest-bearing deposits | 50,272,000 | 70,088,000 | 70,045,000 | 66,245,000 |
| Noninterest-bearing deposits | 25,439,000 | 24,636,000 | 25,482,000 | 26,967,000 |
| Equity capital | 5,286,000 | 4,784,000 | 4,318,000 | 4,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 986,000 | 1,634,000 | 2,366,000 |
| Interest expense | 37,000 | 97,000 | 238,000 | 377,000 |
| Net interest income | 458,000 | 889,000 | 1,396,000 | 1,989,000 |
| Noninterest income | 98,000 | 173,000 | 258,000 | 328,000 |
| Noninterest expense | 422,000 | 905,000 | 1,318,000 | 1,837,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 134,000 | 157,000 | 336,000 | 480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 134,000 | 157,000 | 336,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,789,000 | 6,733,000 | 6,878,000 | 7,022,000 |
| Total capital | 7,159,000 | 7,102,000 | 7,247,000 | 7,384,000 |
| Risk-weighted assets | 30,449,000 | 30,838,000 | 34,351,000 | 36,900,000 |