Call reports 2011
CITIZENS BANK OF PAGOSA SPRINGS — 2011
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 74,667,000 | 68,650,000 | 72,493,000 | 71,163,000 |
| Total loans | 44,641,000 | 42,011,000 | 41,436,000 | 38,497,000 |
| Allowance for loan losses | 2,207,000 | 2,172,000 | 2,167,000 | 2,010,000 |
| Securities available for sale | 20,540,000 | 19,995,000 | 19,678,000 | 24,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,649,000 | 61,377,000 | 65,128,000 | 63,858,000 |
| Interest-bearing deposits | 59,680,000 | 53,934,000 | 48,625,000 | 48,300,000 |
| Noninterest-bearing deposits | 7,969,000 | 7,443,000 | 16,503,000 | 15,558,000 |
| Equity capital | 6,691,000 | 6,926,000 | 7,178,000 | 7,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,547,000 | 2,290,000 | 3,015,000 |
| Interest expense | 140,000 | 273,000 | 380,000 | 471,000 |
| Net interest income | 650,000 | 1,274,000 | 1,910,000 | 2,544,000 |
| Noninterest income | 94,000 | 198,000 | 142,000 | 255,000 |
| Noninterest expense | 591,000 | 1,202,000 | 1,596,000 | 2,099,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 78,000 | 120,000 | 231,000 | 237,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 120,000 | 231,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,182,000 | 7,224,000 | 7,335,000 | 7,340,000 |
| Total capital | 7,863,000 | 7,864,000 | 7,965,000 | 7,957,000 |
| Risk-weighted assets | 52,923,000 | 49,663,000 | 48,867,000 | 47,938,000 |