Call reports 2002
CITIZENS STATE BANK OF OURAY, THE — 2002
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,804,000 | 57,747,000 | 61,119,000 | 61,627,000 |
| Total loans | 21,150,000 | 22,028,000 | 20,411,000 | 21,582,000 |
| Allowance for loan losses | 229,000 | 141,000 | 257,000 | 270,000 |
| Securities available for sale | 18,127,000 | 22,703,000 | 24,662,000 | 27,746,000 |
| Securities held to maturity | 1,691,000 | 1,554,000 | 1,554,000 | 1,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,346,000 | 49,679,000 | 51,920,000 | 53,051,000 |
| Interest-bearing deposits | 32,885,000 | 36,264,000 | 37,644,000 | 38,269,000 |
| Noninterest-bearing deposits | 11,461,000 | 13,415,000 | 14,276,000 | 14,782,000 |
| Equity capital | 7,073,000 | 7,496,000 | 8,329,000 | 7,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,765,000 | 2,613,000 | 3,494,000 |
| Interest expense | 169,000 | 333,000 | 500,000 | 669,000 |
| Net interest income | 676,000 | 1,432,000 | 2,113,000 | 2,825,000 |
| Noninterest income | 110,000 | 234,000 | 441,000 | 587,000 |
| Noninterest expense | 410,000 | 850,000 | 1,380,000 | 2,054,000 |
| Provision for loan losses | 10,000 | 80,000 | 10,000 | 20,000 |
| Pretax income | 366,000 | 737,000 | 1,164,000 | 1,338,000 |
| Income tax | 4,000 | 237,000 | 367,000 | 403,000 |
| Net income | 362,000 | 500,000 | 797,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,878,000 | 6,971,000 | 7,269,000 | 6,839,000 |
| Total capital | 7,107,000 | 7,112,000 | 7,526,000 | 7,109,000 |
| Risk-weighted assets | 24,665,000 | 26,476,000 | 25,124,000 | 25,196,000 |