Call reports 2025
STATE BANK OF COLD SPRING — 2025
What STATE BANK OF COLD SPRING reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 88,540,000 | 83,087,000 | 81,354,000 | 79,657,000 |
| Total loans | 44,649,000 | 42,211,000 | 43,837,000 | 44,329,000 |
| Allowance for loan losses | 303,000 | 303,000 | 333,000 | 333,000 |
| Securities available for sale | 17,331,000 | 17,020,000 | 16,165,000 | 13,053,000 |
| Securities held to maturity | 10,624,000 | 10,614,000 | 10,577,000 | 9,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,501,000 | 75,872,000 | 73,851,000 | 71,830,000 |
| Interest-bearing deposits | 56,730,000 | 54,510,000 | 52,783,000 | 51,664,000 |
| Noninterest-bearing deposits | 24,771,000 | 21,362,000 | 21,068,000 | 20,166,000 |
| Equity capital | 6,809,000 | 7,021,000 | 7,315,000 | 7,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 907,000 | 1,785,000 | 2,641,000 | 3,470,000 |
| Interest expense | 231,000 | 436,000 | 636,000 | 824,000 |
| Net interest income | 676,000 | 1,349,000 | 2,005,000 | 2,646,000 |
| Noninterest income | 87,000 | 163,000 | 261,000 | 339,000 |
| Noninterest expense | 484,000 | 1,024,000 | 1,507,000 | 2,057,000 |
| Provision for loan losses | 25,000 | 25,000 | 75,000 | 75,000 |
| Pretax income | 254,000 | 463,000 | 684,000 | 853,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 254,000 | 463,000 | 684,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,692,000 | 7,717,000 | 7,865,000 | 8,038,000 |
| Total capital | 7,995,000 | 8,020,000 | 8,198,000 | 8,371,000 |
| Risk-weighted assets | 39,169,000 | 37,700,000 | 38,314,000 | 38,797,000 |