Call reports 2013
CITIZENS BANK OF PAGOSA SPRINGS — 2013
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,247,000 | 70,170,000 | 71,580,000 | 72,483,000 |
| Total loans | 33,609,000 | 32,965,000 | 32,404,000 | 32,021,000 |
| Allowance for loan losses | 1,679,000 | 1,680,000 | 1,680,000 | 1,535,000 |
| Securities available for sale | 27,945,000 | 28,229,000 | 23,003,000 | 24,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,132,000 | 62,204,000 | 64,561,000 | 65,341,000 |
| Interest-bearing deposits | 44,333,000 | 45,065,000 | 45,340,000 | 45,349,000 |
| Noninterest-bearing deposits | 17,799,000 | 17,139,000 | 19,221,000 | 19,992,000 |
| Equity capital | 7,988,000 | 7,841,000 | 6,900,000 | 7,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,146,000 | 1,701,000 | 2,264,000 |
| Interest expense | 57,000 | 110,000 | 158,000 | 202,000 |
| Net interest income | 524,000 | 1,036,000 | 1,543,000 | 2,062,000 |
| Noninterest income | 101,000 | 232,000 | 365,000 | 435,000 |
| Noninterest expense | 515,000 | 1,024,000 | 1,551,000 | 2,022,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 146,000 | 280,000 | 394,000 | 512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | 280,000 | 394,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,788,000 | 7,922,000 | 7,038,000 | 7,156,000 |
| Total capital | 8,331,000 | 8,465,000 | 7,572,000 | 7,699,000 |
| Risk-weighted assets | 42,292,000 | 42,265,000 | 41,581,000 | 42,442,000 |