Call reports 2010
CITIZENS STATE BANK OF OURAY, THE — 2010
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 81,927,000 | 81,563,000 | 84,290,000 | 81,858,000 |
| Total loans | 34,465,000 | 34,932,000 | 34,054,000 | 33,314,000 |
| Allowance for loan losses | 384,000 | 380,000 | 392,000 | 349,000 |
| Securities available for sale | 40,995,000 | 41,375,000 | 43,254,000 | 42,748,000 |
| Securities held to maturity | 1,742,000 | 1,746,000 | 1,846,000 | 1,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,719,000 | 70,032,000 | 72,445,000 | 71,725,000 |
| Interest-bearing deposits | 54,130,000 | 55,107,000 | 55,204,000 | 55,197,000 |
| Noninterest-bearing deposits | 17,589,000 | 14,925,000 | 17,241,000 | 16,528,000 |
| Equity capital | 9,287,000 | 9,734,000 | 10,452,000 | 9,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,129,000 | 3,237,000 | 4,311,000 |
| Interest expense | 120,000 | 232,000 | 338,000 | 439,000 |
| Net interest income | 930,000 | 1,897,000 | 2,899,000 | 3,872,000 |
| Noninterest income | 145,000 | 293,000 | 567,000 | 748,000 |
| Noninterest expense | 599,000 | 1,226,000 | 1,975,000 | 2,949,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 280,000 |
| Pretax income | 476,000 | 964,000 | 1,441,000 | 1,391,000 |
| Income tax | 0 | 289,000 | 457,000 | 450,000 |
| Net income | 476,000 | 675,000 | 984,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,251,000 | 8,405,000 | 8,714,000 | 7,992,000 |
| Total capital | 8,635,000 | 8,785,000 | 9,106,000 | 8,341,000 |
| Risk-weighted assets | 40,383,000 | 40,823,000 | 40,603,000 | 39,687,000 |