Call reports 2014
CITIZENS BANK OF PAGOSA SPRINGS — 2014
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,774,000 | 71,696,000 | 73,384,000 | 73,989,000 |
| Total loans | 33,447,000 | 34,188,000 | 33,352,000 | 33,226,000 |
| Allowance for loan losses | 1,497,000 | 1,499,000 | 1,319,000 | 1,326,000 |
| Securities available for sale | 22,983,000 | 26,916,000 | 30,493,000 | 30,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,458,000 | 64,123,000 | 65,421,000 | 66,333,000 |
| Interest-bearing deposits | 45,246,000 | 44,546,000 | 44,402,000 | 46,326,000 |
| Noninterest-bearing deposits | 19,212,000 | 19,577,000 | 21,019,000 | 20,007,000 |
| Equity capital | 7,231,000 | 7,498,000 | 7,870,000 | 7,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 559,000 | 1,135,000 | 1,783,000 | 2,370,000 |
| Interest expense | 41,000 | 80,000 | 116,000 | 152,000 |
| Net interest income | 518,000 | 1,055,000 | 1,667,000 | 2,218,000 |
| Noninterest income | 91,000 | 199,000 | 314,000 | 367,000 |
| Noninterest expense | 514,000 | 1,016,000 | 1,540,000 | 2,091,000 |
| Provision for loan losses | 0 | 0 | -174,000 | -174,000 |
| Pretax income | 95,000 | 241,000 | 618,000 | 671,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 95,000 | 241,000 | 618,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,252,000 | 7,397,000 | 7,718,000 | 7,394,000 |
| Total capital | 7,812,000 | 7,970,000 | 8,305,000 | 7,993,000 |
| Risk-weighted assets | 43,855,000 | 44,943,000 | 46,193,000 | 47,227,000 |