Call reports 2008
CITIZENS BANK OF PAGOSA SPRINGS — 2008
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 88,333,000 | 89,761,000 | 90,994,000 | 85,403,000 |
| Total loans | 67,019,000 | 68,386,000 | 67,662,000 | 66,013,000 |
| Allowance for loan losses | 932,000 | 923,000 | 1,037,000 | 1,086,000 |
| Securities available for sale | 10,407,000 | 15,487,000 | 13,501,000 | 11,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,360,000 | 73,483,000 | 76,498,000 | 75,370,000 |
| Interest-bearing deposits | 69,073,000 | 64,418,000 | 67,207,000 | 66,803,000 |
| Noninterest-bearing deposits | 8,287,000 | 9,064,000 | 9,291,000 | 8,567,000 |
| Equity capital | 6,668,000 | 6,327,000 | 6,845,000 | 6,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,464,000 | 2,843,000 | 4,234,000 | 5,491,000 |
| Interest expense | 611,000 | 1,082,000 | 1,556,000 | 2,012,000 |
| Net interest income | 853,000 | 1,761,000 | 2,678,000 | 3,479,000 |
| Noninterest income | 108,000 | 196,000 | 287,000 | 366,000 |
| Noninterest expense | 644,000 | 1,277,000 | 1,918,000 | 2,396,000 |
| Provision for loan losses | 60,000 | 270,000 | 630,000 | 940,000 |
| Pretax income | 257,000 | 410,000 | 42,000 | 134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 410,000 | 42,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,444,000 | 6,479,000 | 7,111,000 | 7,203,000 |
| Total capital | 7,325,000 | 7,382,000 | 7,988,000 | 8,073,000 |
| Risk-weighted assets | 70,421,000 | 72,207,000 | 69,985,000 | 69,345,000 |
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