Call reports 2018
CITIZENS BANK OF PAGOSA SPRINGS — 2018
What CITIZENS BANK OF PAGOSA SPRINGS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Total assets | 83,126,000 | 82,302,000 |
| Total loans | 36,935,000 | 35,577,000 |
| Allowance for loan losses | 946,000 | 746,000 |
| Securities available for sale | 35,399,000 | 34,258,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 76,223,000 | 74,896,000 |
| Interest-bearing deposits | 52,481,000 | 48,647,000 |
| Noninterest-bearing deposits | 23,742,000 | 26,249,000 |
| Equity capital | 6,772,000 | 7,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Interest income | 680,000 | 1,385,000 |
| Interest expense | 76,000 | 154,000 |
| Net interest income | 604,000 | 1,231,000 |
| Noninterest income | 89,000 | 307,000 |
| Noninterest expense | 603,000 | 1,190,000 |
| Provision for loan losses | -200,000 | -400,000 |
| Pretax income | 292,000 | 746,000 |
| Income tax | 0 | 0 |
| Net income | 292,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Tier 1 capital | 7,081,000 | 7,536,000 |
| Total capital | 7,783,000 | 8,218,000 |
| Risk-weighted assets | 55,912,000 | 54,472,000 |