Call reports 2001
CITIZENS BANK OF PAGOSA SPRINGS — 2001
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 38,434,000 | 40,458,000 | 43,262,000 | 43,844,000 |
| Total loans | 20,356,000 | 22,596,000 | 23,347,000 | 23,265,000 |
| Allowance for loan losses | 425,000 | 430,000 | 388,000 | 391,000 |
| Securities available for sale | 10,827,000 | 10,886,000 | 12,996,000 | 13,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,785,000 | 37,622,000 | 40,085,000 | 40,892,000 |
| Interest-bearing deposits | 29,644,000 | 30,589,000 | 32,013,000 | 32,704,000 |
| Noninterest-bearing deposits | 6,141,000 | 7,033,000 | 8,072,000 | 8,188,000 |
| Equity capital | 2,457,000 | 2,646,000 | 2,966,000 | 2,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,396,000 | 2,067,000 | 2,716,000 |
| Interest expense | 350,000 | 655,000 | 933,000 | 1,145,000 |
| Net interest income | 343,000 | 741,000 | 1,134,000 | 1,571,000 |
| Noninterest income | 84,000 | 194,000 | 275,000 | 348,000 |
| Noninterest expense | 322,000 | 649,000 | 984,000 | 1,328,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 136,000 |
| Pretax income | 95,000 | 267,000 | 397,000 | 454,000 |
| Income tax | 136,000 | 136,000 | 136,000 | 120,000 |
| Net income | -41,000 | 131,000 | 261,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,294,000 | 2,466,000 | 2,596,000 | 2,669,000 |
| Total capital | 2,552,000 | 2,749,000 | 2,883,000 | 2,963,000 |
| Risk-weighted assets | 20,457,000 | 22,528,000 | 22,864,000 | 23,470,000 |
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