Call reports 2007
CITIZENS STATE BANK OF OURAY, THE — 2007
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,919,000 | 70,830,000 | 69,455,000 | 69,354,000 |
| Total loans | 33,610,000 | 34,084,000 | 36,657,000 | 35,421,000 |
| Allowance for loan losses | 311,000 | 313,000 | 307,000 | 326,000 |
| Securities available for sale | 25,443,000 | 24,843,000 | 26,150,000 | 25,061,000 |
| Securities held to maturity | 1,273,000 | 1,273,000 | 1,273,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,317,000 | 62,168,000 | 60,115,000 | 60,986,000 |
| Interest-bearing deposits | 39,964,000 | 38,642,000 | 41,621,000 | 43,940,000 |
| Noninterest-bearing deposits | 16,353,000 | 23,526,000 | 18,494,000 | 17,046,000 |
| Equity capital | 8,253,000 | 8,272,000 | 8,856,000 | 7,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 2,110,000 | 3,193,000 | 4,373,000 |
| Interest expense | 174,000 | 360,000 | 554,000 | 773,000 |
| Net interest income | 832,000 | 1,750,000 | 2,639,000 | 3,600,000 |
| Noninterest income | 142,000 | 271,000 | 560,000 | 745,000 |
| Noninterest expense | 522,000 | 1,070,000 | 1,750,000 | 2,653,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 452,000 | 951,000 | 1,429,000 | 1,652,000 |
| Income tax | 0 | 316,000 | 454,000 | 547,000 |
| Net income | 452,000 | 635,000 | 975,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,241,000 | 8,378,000 | 8,719,000 | 7,489,000 |
| Total capital | 8,552,000 | 8,691,000 | 9,026,000 | 7,815,000 |
| Risk-weighted assets | 33,165,000 | 36,606,000 | 39,044,000 | 37,599,000 |