Call reports 2001
CITIZENS STATE BANK OF OURAY, THE — 2001
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 44,123,000 | 48,062,000 | 50,213,000 | 50,364,000 |
| Total loans | 20,803,000 | 22,358,000 | 21,535,000 | 22,391,000 |
| Allowance for loan losses | 94,000 | 166,000 | 228,000 | 204,000 |
| Securities available for sale | 18,260,000 | 16,760,000 | 16,755,000 | 17,091,000 |
| Securities held to maturity | 1,677,000 | 1,677,000 | 1,676,000 | 1,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,732,000 | 40,528,000 | 42,102,000 | 42,960,000 |
| Interest-bearing deposits | 25,855,000 | 28,982,000 | 29,256,000 | 30,246,000 |
| Noninterest-bearing deposits | 10,877,000 | 11,546,000 | 12,846,000 | 12,714,000 |
| Equity capital | 6,880,000 | 6,989,000 | 7,466,000 | 6,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 819,000 | 1,665,000 | 2,561,000 | 3,433,000 |
| Interest expense | 209,000 | 411,000 | 610,000 | 798,000 |
| Net interest income | 610,000 | 1,254,000 | 1,951,000 | 2,635,000 |
| Noninterest income | 104,000 | 226,000 | 431,000 | 573,000 |
| Noninterest expense | 349,000 | 793,000 | 1,258,000 | 1,944,000 |
| Provision for loan losses | 100,000 | 110,000 | 120,000 | 120,000 |
| Pretax income | 265,000 | 577,000 | 1,004,000 | 1,144,000 |
| Income tax | 0 | 175,000 | 263,000 | 342,000 |
| Net income | 265,000 | 402,000 | 741,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,543,000 | 6,635,000 | 6,976,000 | 6,516,000 |
| Total capital | 6,637,000 | 6,801,000 | 7,204,000 | 6,720,000 |
| Risk-weighted assets | 23,331,000 | 25,296,000 | 24,818,000 | 25,773,000 |