Call reports 2005
CITIZENS BANK OF PAGOSA SPRINGS — 2005
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,268,000 | 63,410,000 | 72,212,000 | 75,122,000 |
| Total loans | 39,864,000 | 42,688,000 | 43,463,000 | 49,346,000 |
| Allowance for loan losses | 506,000 | 521,000 | 536,000 | 574,000 |
| Securities available for sale | 15,244,000 | 15,084,000 | 15,806,000 | 18,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,941,000 | 56,001,000 | 60,194,000 | 64,554,000 |
| Interest-bearing deposits | 41,838,000 | 45,724,000 | 48,995,000 | 54,224,000 |
| Noninterest-bearing deposits | 8,103,000 | 10,278,000 | 11,198,000 | 10,330,000 |
| Equity capital | 3,851,000 | 4,187,000 | 4,846,000 | 4,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 831,000 | 1,742,000 | 2,799,000 | 3,988,000 |
| Interest expense | 216,000 | 494,000 | 861,000 | 1,320,000 |
| Net interest income | 615,000 | 1,248,000 | 1,938,000 | 2,668,000 |
| Noninterest income | 77,000 | 165,000 | 261,000 | 377,000 |
| Noninterest expense | 482,000 | 979,000 | 1,528,000 | 2,128,000 |
| Provision for loan losses | 9,000 | 24,000 | 39,000 | 54,000 |
| Pretax income | 201,000 | 410,000 | 632,000 | 863,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 410,000 | 632,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,780,000 | 3,990,000 | 4,712,000 | 4,943,000 |
| Total capital | 4,286,000 | 4,511,000 | 5,248,000 | 5,517,000 |
| Risk-weighted assets | 41,608,000 | 45,746,000 | 47,532,000 | 48,914,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK OF PAGOSA SPRINGS — 2005 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 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.