Call reports 2007
CITIZENS BANK OF PAGOSA SPRINGS — 2007
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,786,000 | 92,712,000 | 92,234,000 | 89,776,000 |
| Total loans | 61,224,000 | 60,285,000 | 62,854,000 | 66,422,000 |
| Allowance for loan losses | 682,000 | 712,000 | 742,000 | 872,000 |
| Securities available for sale | 17,378,000 | 19,648,000 | 19,909,000 | 16,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,878,000 | 79,645,000 | 82,784,000 | 78,146,000 |
| Interest-bearing deposits | 69,914,000 | 70,099,000 | 71,563,000 | 69,485,000 |
| Noninterest-bearing deposits | 8,964,000 | 9,546,000 | 11,221,000 | 8,661,000 |
| Equity capital | 6,093,000 | 5,883,000 | 6,272,000 | 6,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,178,000 | 4,823,000 | 6,406,000 |
| Interest expense | 767,000 | 1,573,000 | 2,399,000 | 3,169,000 |
| Net interest income | 795,000 | 1,605,000 | 2,424,000 | 3,237,000 |
| Noninterest income | 118,000 | 252,000 | 399,000 | 509,000 |
| Noninterest expense | 607,000 | 1,237,000 | 1,899,000 | 2,408,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 225,000 |
| Pretax income | 302,000 | 586,000 | 878,000 | 1,157,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 302,000 | 586,000 | 878,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,951,000 | 5,893,000 | 6,185,000 | 6,414,000 |
| Total capital | 6,633,000 | 6,605,000 | 6,927,000 | 7,277,000 |
| Risk-weighted assets | 65,025,000 | 65,752,000 | 68,239,000 | 69,006,000 |
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