Call reports 2023
STATE BANK OF COLD SPRING — 2023
What STATE BANK OF COLD SPRING reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 94,931,000 | 96,530,000 | 93,311,000 | 93,000,000 |
| Total loans | 36,600,000 | 38,993,000 | 39,323,000 | 39,418,000 |
| Allowance for loan losses | 356,000 | 353,000 | 362,000 | 361,000 |
| Securities available for sale | 19,283,000 | 19,132,000 | 19,022,000 | 19,602,000 |
| Securities held to maturity | 29,680,000 | 28,262,000 | 26,329,000 | 23,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,060,000 | 87,296,000 | 87,548,000 | 86,980,000 |
| Interest-bearing deposits | 62,372,000 | 64,963,000 | 61,634,000 | 62,006,000 |
| Noninterest-bearing deposits | 21,688,000 | 22,333,000 | 25,914,000 | 24,974,000 |
| Equity capital | 5,165,000 | 5,081,000 | 5,105,000 | 5,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,484,000 | 2,296,000 | 3,076,000 |
| Interest expense | 179,000 | 409,000 | 680,000 | 941,000 |
| Net interest income | 542,000 | 1,075,000 | 1,616,000 | 2,135,000 |
| Noninterest income | 73,000 | 145,000 | 232,000 | 301,000 |
| Noninterest expense | 450,000 | 889,000 | 1,331,000 | 1,844,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 322,000 | 497,000 | 572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 322,000 | 497,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,133,000 | 7,194,000 | 7,321,000 | 7,396,000 |
| Total capital | 7,489,000 | 7,547,000 | 7,683,000 | 7,757,000 |
| Risk-weighted assets | 35,728,000 | 38,205,000 | 35,422,000 | 32,763,000 |