Call reports 2004
CITIZENS STATE BANK OF OURAY, THE — 2004
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 65,384,000 | 68,060,000 | 71,829,000 | 66,972,000 |
| Total loans | 23,147,000 | 24,747,000 | 25,169,000 | 24,096,000 |
| Allowance for loan losses | 268,000 | 276,000 | 264,000 | 267,000 |
| Securities available for sale | 35,340,000 | 32,990,000 | 33,124,000 | 33,186,000 |
| Securities held to maturity | 1,509,000 | 1,549,000 | 1,549,000 | 1,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,001,000 | 59,739,000 | 62,701,000 | 58,950,000 |
| Interest-bearing deposits | 42,782,000 | 44,606,000 | 46,348,000 | 45,347,000 |
| Noninterest-bearing deposits | 13,219,000 | 15,133,000 | 16,353,000 | 13,603,000 |
| Equity capital | 8,568,000 | 7,925,000 | 8,562,000 | 7,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 877,000 | 1,766,000 | 2,668,000 | 3,580,000 |
| Interest expense | 111,000 | 209,000 | 316,000 | 424,000 |
| Net interest income | 766,000 | 1,557,000 | 2,352,000 | 3,156,000 |
| Noninterest income | 120,000 | 260,000 | 479,000 | 633,000 |
| Noninterest expense | 444,000 | 960,000 | 1,520,000 | 2,263,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 72,000 |
| Pretax income | 442,000 | 847,000 | 1,301,000 | 1,454,000 |
| Income tax | 0 | 171,000 | 269,000 | 413,000 |
| Net income | 442,000 | 676,000 | 1,032,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,419,000 | 7,609,000 | 7,965,000 | 7,248,000 |
| Total capital | 7,687,000 | 7,885,000 | 8,229,000 | 7,515,000 |
| Risk-weighted assets | 25,873,000 | 27,740,000 | 28,741,000 | 26,921,000 |