Call reports 2002
CITIZENS BANK OF PAGOSA SPRINGS — 2002
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 41,372,000 | 43,351,000 | 46,027,000 | 45,284,000 |
| Total loans | 23,200,000 | 25,430,000 | 27,134,000 | 28,505,000 |
| Allowance for loan losses | 401,000 | 403,000 | 414,000 | 445,000 |
| Securities available for sale | 13,634,000 | 12,205,000 | 11,577,000 | 11,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,302,000 | 40,021,000 | 42,465,000 | 41,631,000 |
| Interest-bearing deposits | 31,757,000 | 33,688,000 | 33,830,000 | 33,448,000 |
| Noninterest-bearing deposits | 6,545,000 | 6,333,000 | 8,636,000 | 8,183,000 |
| Equity capital | 2,928,000 | 3,172,000 | 3,378,000 | 3,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 650,000 | 1,311,000 | 1,954,000 | 2,602,000 |
| Interest expense | 162,000 | 325,000 | 501,000 | 667,000 |
| Net interest income | 488,000 | 986,000 | 1,453,000 | 1,935,000 |
| Noninterest income | 75,000 | 153,000 | 228,000 | 298,000 |
| Noninterest expense | 353,000 | 728,000 | 1,084,000 | 1,461,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 56,000 |
| Pretax income | 201,000 | 393,000 | 570,000 | 716,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 393,000 | 570,000 | 716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,870,000 | 2,878,000 | 2,976,000 | 3,086,000 |
| Total capital | 3,158,000 | 3,190,000 | 3,307,000 | 3,441,000 |
| Risk-weighted assets | 22,918,000 | 24,871,000 | 26,381,000 | 28,295,000 |
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