Call reports 2004
CITIZENS BANK OF PAGOSA SPRINGS — 2004
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,914,000 | 52,783,000 | 61,571,000 | 58,006,000 |
| Total loans | 28,207,000 | 30,308,000 | 34,172,000 | 37,557,000 |
| Allowance for loan losses | 492,000 | 496,000 | 494,000 | 497,000 |
| Securities available for sale | 13,897,000 | 12,334,000 | 15,226,000 | 14,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,005,000 | 46,275,000 | 54,618,000 | 50,991,000 |
| Interest-bearing deposits | 35,254,000 | 37,146,000 | 40,481,000 | 42,360,000 |
| Noninterest-bearing deposits | 7,751,000 | 9,128,000 | 14,137,000 | 8,631,000 |
| Equity capital | 3,774,000 | 3,339,000 | 3,722,000 | 3,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,256,000 | 1,972,000 | 2,712,000 |
| Interest expense | 131,000 | 278,000 | 453,000 | 646,000 |
| Net interest income | 477,000 | 978,000 | 1,519,000 | 2,066,000 |
| Noninterest income | 46,000 | 322,000 | 221,000 | 229,000 |
| Noninterest expense | 424,000 | 964,000 | 1,395,000 | 1,841,000 |
| Provision for loan losses | 5,000 | 8,000 | 11,000 | 14,000 |
| Pretax income | 221,000 | 328,000 | 460,000 | 566,000 |
| Income tax | 0 | -16,000 | -16,000 | -16,000 |
| Net income | 221,000 | 344,000 | 476,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,389,000 | 3,351,000 | 3,475,000 | 3,580,000 |
| Total capital | 3,753,000 | 3,765,000 | 3,929,000 | 4,077,000 |
| Risk-weighted assets | 29,006,000 | 33,022,000 | 36,300,000 | 41,898,000 |
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