Call reports 2016
CITIZENS BANK OF PAGOSA SPRINGS — 2016
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 74,960,000 | 77,717,000 | 78,876,000 | 80,452,000 |
| Total loans | 34,591,000 | 34,547,000 | 37,995,000 | 36,560,000 |
| Allowance for loan losses | 1,347,000 | 1,298,000 | 1,302,000 | 1,308,000 |
| Securities available for sale | 26,857,000 | 26,429,000 | 27,096,000 | 29,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,003,000 | 70,499,000 | 71,529,000 | 73,440,000 |
| Interest-bearing deposits | 47,655,000 | 46,625,000 | 46,857,000 | 46,720,000 |
| Noninterest-bearing deposits | 20,348,000 | 23,874,000 | 24,672,000 | 26,721,000 |
| Equity capital | 6,825,000 | 7,070,000 | 7,168,000 | 6,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 585,000 | 1,177,000 | 1,780,000 | 2,399,000 |
| Interest expense | 23,000 | 47,000 | 73,000 | 97,000 |
| Net interest income | 562,000 | 1,130,000 | 1,707,000 | 2,302,000 |
| Noninterest income | 73,000 | 173,000 | 340,000 | 479,000 |
| Noninterest expense | 525,000 | 1,077,000 | 1,635,000 | 2,195,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 226,000 | 412,000 | 586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 226,000 | 412,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,523,000 | 6,638,000 | 6,824,000 | 6,998,000 |
| Total capital | 7,104,000 | 7,218,000 | 7,461,000 | 7,649,000 |
| Risk-weighted assets | 45,750,000 | 45,677,000 | 50,307,000 | 51,439,000 |