Call reports 2003
CITIZENS BANK OF PAGOSA SPRINGS — 2003
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,240,000 | 49,452,000 | 50,524,000 | 49,103,000 |
| Total loans | 27,324,000 | 27,914,000 | 26,754,000 | 26,771,000 |
| Allowance for loan losses | 458,000 | 467,000 | 477,000 | 487,000 |
| Securities available for sale | 12,255,000 | 12,374,000 | 13,261,000 | 15,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,663,000 | 42,737,000 | 43,867,000 | 42,211,000 |
| Interest-bearing deposits | 34,437,000 | 33,884,000 | 35,513,000 | 34,768,000 |
| Noninterest-bearing deposits | 7,226,000 | 8,853,000 | 8,354,000 | 7,443,000 |
| Equity capital | 3,419,000 | 3,589,000 | 3,508,000 | 3,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,230,000 | 1,821,000 | 2,430,000 |
| Interest expense | 155,000 | 313,000 | 445,000 | 578,000 |
| Net interest income | 450,000 | 917,000 | 1,376,000 | 1,852,000 |
| Noninterest income | 68,000 | 137,000 | 206,000 | 275,000 |
| Noninterest expense | 351,000 | 718,000 | 1,106,000 | 1,480,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 158,000 | 318,000 | 449,000 | 611,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 318,000 | 449,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,054,000 | 3,054,000 | 3,184,000 | 3,346,000 |
| Total capital | 3,396,000 | 3,407,000 | 3,540,000 | 3,686,000 |
| Risk-weighted assets | 27,218,000 | 28,142,000 | 28,327,000 | 27,018,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK OF PAGOSA SPRINGS — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.