Call reports 2005
CITIZENS STATE BANK OF OURAY, THE — 2005
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,797,000 | 67,295,000 | 69,725,000 | 65,751,000 |
| Total loans | 25,108,000 | 27,627,000 | 27,153,000 | 27,766,000 |
| Allowance for loan losses | 273,000 | 267,000 | 278,000 | 278,000 |
| Securities available for sale | 33,556,000 | 32,722,000 | 33,915,000 | 32,579,000 |
| Securities held to maturity | 1,428,000 | 1,398,000 | 1,348,000 | 1,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,829,000 | 58,860,000 | 60,866,000 | 57,802,000 |
| Interest-bearing deposits | 44,031,000 | 42,571,000 | 44,570,000 | 42,892,000 |
| Noninterest-bearing deposits | 12,798,000 | 16,289,000 | 16,296,000 | 14,910,000 |
| Equity capital | 7,726,000 | 8,077,000 | 8,539,000 | 7,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 868,000 | 1,759,000 | 2,714,000 | 3,668,000 |
| Interest expense | 107,000 | 227,000 | 360,000 | 483,000 |
| Net interest income | 761,000 | 1,532,000 | 2,354,000 | 3,185,000 |
| Noninterest income | 132,000 | 277,000 | 1,084,000 | 1,240,000 |
| Noninterest expense | 438,000 | 907,000 | 1,473,000 | 2,270,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 455,000 | 892,000 | 1,955,000 | 2,083,000 |
| Income tax | 4,000 | 204,000 | 661,000 | 670,000 |
| Net income | 451,000 | 688,000 | 1,294,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,700,000 | 7,883,000 | 8,487,000 | 7,648,000 |
| Total capital | 7,973,000 | 8,150,000 | 8,765,000 | 7,926,000 |
| Risk-weighted assets | 26,801,000 | 29,595,000 | 29,391,000 | 29,841,000 |