Call reports 2010
CITIZENS BANK OF PAGOSA SPRINGS — 2010
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 74,455,000 | 75,323,000 | 77,467,000 | 75,475,000 |
| Total loans | 52,782,000 | 51,392,000 | 48,659,000 | 46,865,000 |
| Allowance for loan losses | 1,595,000 | 1,690,000 | 1,542,000 | 2,271,000 |
| Securities available for sale | 12,529,000 | 13,827,000 | 15,329,000 | 19,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,249,000 | 67,639,000 | 69,470,000 | 68,469,000 |
| Interest-bearing deposits | 58,773,000 | 60,556,000 | 61,215,000 | 60,554,000 |
| Noninterest-bearing deposits | 8,476,000 | 7,083,000 | 8,255,000 | 7,915,000 |
| Equity capital | 6,844,000 | 7,371,000 | 7,652,000 | 6,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,814,000 | 2,690,000 | 3,537,000 |
| Interest expense | 214,000 | 409,000 | 598,000 | 757,000 |
| Net interest income | 697,000 | 1,405,000 | 2,092,000 | 2,780,000 |
| Noninterest income | -60,000 | -70,000 | 110,000 | 427,000 |
| Noninterest expense | 643,000 | 1,177,000 | 1,784,000 | 2,419,000 |
| Provision for loan losses | 900,000 | 1,650,000 | 1,800,000 | 2,700,000 |
| Pretax income | -906,000 | -1,492,000 | -1,382,000 | -1,912,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -906,000 | -1,492,000 | -1,382,000 | -1,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,111,000 | 7,524,000 | 7,634,000 | 7,104,000 |
| Total capital | 7,855,000 | 8,265,000 | 8,366,000 | 7,836,000 |
| Risk-weighted assets | 58,691,000 | 58,353,000 | 57,766,000 | 57,025,000 |