Call reports 2009
CITIZENS STATE BANK OF OURAY, THE — 2009
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 78,196,000 | 77,483,000 | 79,711,000 | 80,494,000 |
| Total loans | 35,421,000 | 36,740,000 | 36,450,000 | 35,747,000 |
| Allowance for loan losses | 313,000 | 343,000 | 424,000 | 380,000 |
| Securities available for sale | 34,757,000 | 31,445,000 | 33,669,000 | 34,381,000 |
| Securities held to maturity | 1,475,000 | 1,475,000 | 1,475,000 | 1,743,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,823,000 | 67,310,000 | 69,224,000 | 70,695,000 |
| Interest-bearing deposits | 51,517,000 | 50,672,000 | 52,453,000 | 54,262,000 |
| Noninterest-bearing deposits | 16,306,000 | 16,638,000 | 16,771,000 | 16,433,000 |
| Equity capital | 9,314,000 | 9,214,000 | 9,512,000 | 8,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,183,000 | 3,266,000 | 4,360,000 |
| Interest expense | 170,000 | 330,000 | 485,000 | 634,000 |
| Net interest income | 921,000 | 1,853,000 | 2,781,000 | 3,726,000 |
| Noninterest income | 141,000 | 303,000 | 574,000 | 753,000 |
| Noninterest expense | 569,000 | 1,175,000 | 1,953,000 | 2,953,000 |
| Provision for loan losses | 0 | 120,000 | 200,000 | 340,000 |
| Pretax income | 493,000 | 861,000 | 1,202,000 | 1,186,000 |
| Income tax | 0 | 246,000 | 322,000 | 318,000 |
| Net income | 493,000 | 615,000 | 880,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,125,000 | 8,202,000 | 8,466,000 | 7,775,000 |
| Total capital | 8,438,000 | 8,545,000 | 8,890,000 | 8,155,000 |
| Risk-weighted assets | 40,370,000 | 40,084,000 | 39,793,000 | 39,649,000 |