Call reports 2024
STATE BANK OF COLD SPRING — 2024
What STATE BANK OF COLD SPRING reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 85,318,000 | 88,612,000 | 86,295,000 | 89,333,000 |
| Total loans | 39,432,000 | 41,038,000 | 43,575,000 | 42,952,000 |
| Allowance for loan losses | 279,000 | 278,000 | 278,000 | 277,000 |
| Securities available for sale | 19,568,000 | 19,659,000 | 19,200,000 | 17,605,000 |
| Securities held to maturity | 18,462,000 | 15,972,000 | 13,585,000 | 13,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,359,000 | 82,521,000 | 79,514,000 | 82,386,000 |
| Interest-bearing deposits | 56,692,000 | 56,871,000 | 54,305,000 | 57,482,000 |
| Noninterest-bearing deposits | 22,667,000 | 25,650,000 | 25,209,000 | 24,904,000 |
| Equity capital | 5,746,000 | 5,830,000 | 6,529,000 | 6,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,559,000 | 2,392,000 | 3,278,000 |
| Interest expense | 246,000 | 485,000 | 728,000 | 970,000 |
| Net interest income | 551,000 | 1,074,000 | 1,664,000 | 2,308,000 |
| Noninterest income | 69,000 | 145,000 | 240,000 | 315,000 |
| Noninterest expense | 477,000 | 968,000 | 1,442,000 | 1,965,000 |
| Provision for loan losses | -50,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | 193,000 | 301,000 | 512,000 | 708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 301,000 | 512,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,405,000 | 7,392,000 | 7,544,000 | 7,742,000 |
| Total capital | 7,684,000 | 7,670,000 | 7,822,000 | 8,019,000 |
| Risk-weighted assets | 32,812,000 | 37,149,000 | 39,054,000 | 38,405,000 |