Call reports 2012
CITIZENS BANK OF PAGOSA SPRINGS — 2012
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 70,958,000 | 69,955,000 | 71,804,000 | 71,818,000 |
| Total loans | 36,496,000 | 35,261,000 | 33,796,000 | 33,341,000 |
| Allowance for loan losses | 1,879,000 | 1,717,000 | 1,795,000 | 1,677,000 |
| Securities available for sale | 23,725,000 | 26,656,000 | 27,136,000 | 27,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,540,000 | 62,320,000 | 63,900,000 | 63,756,000 |
| Interest-bearing deposits | 47,328,000 | 45,675,000 | 45,758,000 | 45,083,000 |
| Noninterest-bearing deposits | 16,212,000 | 16,645,000 | 18,142,000 | 18,673,000 |
| Equity capital | 7,342,000 | 7,552,000 | 7,679,000 | 7,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,366,000 | 2,047,000 | 2,672,000 |
| Interest expense | 82,000 | 157,000 | 227,000 | 292,000 |
| Net interest income | 604,000 | 1,209,000 | 1,820,000 | 2,380,000 |
| Noninterest income | 100,000 | 267,000 | 376,000 | 490,000 |
| Noninterest expense | 535,000 | 1,103,000 | 1,677,000 | 2,201,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 94,000 | 223,000 | 294,000 | 301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 223,000 | 294,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,434,000 | 7,564,000 | 7,635,000 | 7,642,000 |
| Total capital | 8,025,000 | 8,133,000 | 8,185,000 | 8,177,000 |
| Risk-weighted assets | 45,991,000 | 44,369,000 | 42,754,000 | 41,629,000 |