Call reports 2009
CITIZENS BANK OF PAGOSA SPRINGS — 2009
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 81,615,000 | 79,048,000 | 81,804,000 | 74,553,000 |
| Total loans | 63,047,000 | 59,664,000 | 58,931,000 | 55,715,000 |
| Allowance for loan losses | 1,202,000 | 1,357,000 | 1,389,000 | 1,498,000 |
| Securities available for sale | 12,583,000 | 13,066,000 | 12,903,000 | 12,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,496,000 | 69,000,000 | 71,250,000 | 67,534,000 |
| Interest-bearing deposits | 64,173,000 | 61,045,000 | 62,051,000 | 59,942,000 |
| Noninterest-bearing deposits | 7,323,000 | 7,955,000 | 9,199,000 | 7,592,000 |
| Equity capital | 6,841,000 | 6,748,000 | 7,260,000 | 6,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,238,000 | 3,305,000 | 4,356,000 |
| Interest expense | 384,000 | 676,000 | 958,000 | 1,224,000 |
| Net interest income | 768,000 | 1,562,000 | 2,347,000 | 3,132,000 |
| Noninterest income | 84,000 | 200,000 | -149,000 | -32,000 |
| Noninterest expense | 621,000 | 1,249,000 | 1,830,000 | 2,527,000 |
| Provision for loan losses | 120,000 | 470,000 | 620,000 | 1,870,000 |
| Pretax income | 111,000 | 43,000 | -142,000 | -1,187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 43,000 | -142,000 | -1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,314,000 | 7,246,000 | 7,561,000 | 7,016,000 |
| Total capital | 8,155,000 | 8,057,000 | 8,353,000 | 7,775,000 |
| Risk-weighted assets | 66,904,000 | 64,298,000 | 62,777,000 | 59,956,000 |