Call reports 2017
CITIZENS BANK OF PAGOSA SPRINGS — 2017
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 82,041,000 | 78,093,000 | 84,224,000 | 87,295,000 |
| Total loans | 36,851,000 | 38,256,000 | 39,437,000 | 36,597,000 |
| Allowance for loan losses | 1,319,000 | 1,323,000 | 1,328,000 | 1,136,000 |
| Securities available for sale | 28,827,000 | 30,967,000 | 32,710,000 | 31,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,727,000 | 70,390,000 | 76,414,000 | 79,476,000 |
| Interest-bearing deposits | 48,199,000 | 47,277,000 | 49,310,000 | 52,515,000 |
| Noninterest-bearing deposits | 26,527,000 | 23,113,000 | 27,104,000 | 26,961,000 |
| Equity capital | 7,158,000 | 7,537,000 | 7,644,000 | 7,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,291,000 | 1,972,000 | 2,671,000 |
| Interest expense | 38,000 | 86,000 | 156,000 | 233,000 |
| Net interest income | 578,000 | 1,205,000 | 1,816,000 | 2,438,000 |
| Noninterest income | 124,000 | 255,000 | 363,000 | 466,000 |
| Noninterest expense | 584,000 | 1,148,000 | 1,768,000 | 2,322,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 127,000 | 321,000 | 420,000 | 791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 321,000 | 420,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,125,000 | 7,320,000 | 7,418,000 | 7,789,000 |
| Total capital | 7,789,000 | 8,003,000 | 8,109,000 | 8,472,000 |
| Risk-weighted assets | 52,502,000 | 54,006,000 | 54,670,000 | 54,165,000 |