Call reports 2015
CITIZENS BANK OF PAGOSA SPRINGS — 2015
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 69,787,000 | 67,857,000 | 71,451,000 | 73,806,000 |
| Total loans | 32,436,000 | 35,067,000 | 35,150,000 | 34,398,000 |
| Allowance for loan losses | 1,333,000 | 1,323,000 | 1,330,000 | 1,335,000 |
| Securities available for sale | 28,857,000 | 24,305,000 | 24,198,000 | 24,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,840,000 | 59,906,000 | 64,866,000 | 66,949,000 |
| Interest-bearing deposits | 46,231,000 | 43,546,000 | 45,003,000 | 46,249,000 |
| Noninterest-bearing deposits | 15,609,000 | 16,360,000 | 19,863,000 | 20,700,000 |
| Equity capital | 7,839,000 | 7,856,000 | 6,479,000 | 6,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,165,000 | 1,768,000 | 2,369,000 |
| Interest expense | 29,000 | 56,000 | 80,000 | 104,000 |
| Net interest income | 550,000 | 1,109,000 | 1,688,000 | 2,265,000 |
| Noninterest income | 225,000 | 389,000 | 484,000 | 590,000 |
| Noninterest expense | 538,000 | 1,058,000 | 1,566,000 | 2,144,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 237,000 | 438,000 | 604,000 | 709,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 438,000 | 604,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,630,000 | 7,832,000 | 6,307,000 | 6,412,000 |
| Total capital | 8,250,000 | 8,439,000 | 6,905,000 | 6,998,000 |
| Risk-weighted assets | 48,883,000 | 47,882,000 | 47,122,000 | 46,153,000 |