Call reports 2006
CITIZENS BANK OF PAGOSA SPRINGS — 2006
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,494,000 | 81,344,000 | 87,044,000 | 87,335,000 |
| Total loans | 47,205,000 | 51,267,000 | 60,312,000 | 60,935,000 |
| Allowance for loan losses | 574,000 | 590,000 | 621,000 | 652,000 |
| Securities available for sale | 17,529,000 | 17,260,000 | 18,923,000 | 18,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,679,000 | 70,885,000 | 77,320,000 | 77,706,000 |
| Interest-bearing deposits | 55,438,000 | 59,509,000 | 66,199,000 | 68,009,000 |
| Noninterest-bearing deposits | 10,241,000 | 11,376,000 | 11,121,000 | 9,698,000 |
| Equity capital | 5,148,000 | 5,268,000 | 5,659,000 | 6,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,465,000 | 3,971,000 | 5,539,000 |
| Interest expense | 525,000 | 1,125,000 | 1,856,000 | 2,618,000 |
| Net interest income | 657,000 | 1,340,000 | 2,115,000 | 2,921,000 |
| Noninterest income | 117,000 | 253,000 | 381,000 | 512,000 |
| Noninterest expense | 555,000 | 1,134,000 | 1,725,000 | 2,286,000 |
| Provision for loan losses | 0 | 15,000 | 45,000 | 75,000 |
| Pretax income | 219,000 | 444,000 | 726,000 | 1,072,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 444,000 | 726,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,097,000 | 5,321,000 | 5,571,000 | 5,893,000 |
| Total capital | 5,671,000 | 5,911,000 | 6,192,000 | 6,545,000 |
| Risk-weighted assets | 49,333,000 | 51,167,000 | 53,831,000 | 58,963,000 |
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