Call reports 2006
CITIZENS STATE BANK OF OURAY, THE — 2006
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 64,189,000 | 66,930,000 | 66,596,000 | 66,574,000 |
| Total loans | 27,591,000 | 30,370,000 | 30,763,000 | 31,937,000 |
| Allowance for loan losses | 279,000 | 300,000 | 302,000 | 307,000 |
| Securities available for sale | 29,485,000 | 28,654,000 | 31,000,000 | 25,447,000 |
| Securities held to maturity | 1,328,000 | 1,328,000 | 1,328,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,897,000 | 58,720,000 | 56,563,000 | 58,539,000 |
| Interest-bearing deposits | 40,783,000 | 40,467,000 | 38,199,000 | 39,710,000 |
| Noninterest-bearing deposits | 15,114,000 | 18,253,000 | 18,364,000 | 18,829,000 |
| Equity capital | 8,081,000 | 8,047,000 | 8,583,000 | 7,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,889,000 | 2,818,000 | 3,905,000 |
| Interest expense | 136,000 | 281,000 | 434,000 | 592,000 |
| Net interest income | 809,000 | 1,608,000 | 2,384,000 | 3,313,000 |
| Noninterest income | 131,000 | 272,000 | 514,000 | 670,000 |
| Noninterest expense | 471,000 | 991,000 | 1,640,000 | 2,454,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 30,000 |
| Pretax income | 469,000 | 869,000 | 1,238,000 | 1,495,000 |
| Income tax | 0 | 234,000 | 314,000 | 457,000 |
| Net income | 469,000 | 635,000 | 924,000 | 1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 8,290,000 | 8,580,000 | 7,788,000 |
| Total capital | 8,450,000 | 8,590,000 | 8,882,000 | 8,095,000 |
| Risk-weighted assets | 29,972,000 | 32,547,000 | 32,526,000 | 34,307,000 |