Call reports 2003

CITIZENS STATE BANK OF OURAY, THE — 2003

Name: CITIZENS STATE BANK OF OURAY, THE — FFIEC call report 2003
Creator: CITIZENS STATE BANK OF OURAY, THE

What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/8d3e76cf-a0c4-4f39-b682-b6182d0c2266/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	59,929,000	62,851,000	76,042,000	73,265,000
Total loans	20,400,000	19,928,000	21,996,000	21,842,000
Allowance for loan losses	272,000	248,000	250,000	267,000
Securities available for sale	26,734,000	26,649,000	31,522,000	32,862,000
Securities held to maturity	1,683,000	1,633,000	1,680,000	1,510,000
Trading assets	0	0	0	0
Total deposits	50,906,000	53,290,000	66,830,000	64,879,000
Interest-bearing deposits	38,570,000	38,464,000	50,138,000	49,245,000
Noninterest-bearing deposits	12,336,000	14,826,000	16,692,000	15,634,000
Equity capital	8,230,000	8,605,000	8,464,000	7,770,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Interest income	835,000	1,638,000	2,479,000	3,377,000
Interest expense	148,000	285,000	409,000	530,000
Net interest income	687,000	1,353,000	2,070,000	2,847,000
Noninterest income	115,000	241,000	451,000	596,000
Noninterest expense	422,000	894,000	1,399,000	2,081,000
Provision for loan losses	0	0	20,000	40,000
Pretax income	380,000	700,000	1,102,000	1,322,000
Income tax	0	208,000	300,000	414,000
Net income	380,000	492,000	802,000	908,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	7,219,000	7,286,000	7,574,000	6,976,000
Total capital	7,491,000	7,534,000	7,824,000	7,243,000
Risk-weighted assets	24,221,000	24,174,000	27,022,000	25,538,000