Call reports 2011
CITIZENS STATE BANK OF OURAY, THE — 2011
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 81,509,000 | 83,981,000 | 88,800,000 | 86,330,000 |
| Total loans | 32,164,000 | 32,955,000 | 31,744,000 | 31,509,000 |
| Allowance for loan losses | 443,000 | 408,000 | 359,000 | 364,000 |
| Securities available for sale | 42,597,000 | 42,293,000 | 42,918,000 | 38,603,000 |
| Securities held to maturity | 1,684,000 | 1,682,000 | 1,813,000 | 2,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,089,000 | 73,058,000 | 77,137,000 | 75,481,000 |
| Interest-bearing deposits | 55,505,000 | 57,909,000 | 59,150,000 | 58,972,000 |
| Noninterest-bearing deposits | 15,584,000 | 15,149,000 | 17,987,000 | 16,509,000 |
| Equity capital | 9,472,000 | 9,738,000 | 10,414,000 | 9,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,017,000 | 2,005,000 | 3,008,000 | 4,001,000 |
| Interest expense | 86,000 | 168,000 | 251,000 | 328,000 |
| Net interest income | 931,000 | 1,837,000 | 2,757,000 | 3,673,000 |
| Noninterest income | 155,000 | 312,000 | 564,000 | 698,000 |
| Noninterest expense | 631,000 | 1,283,000 | 1,974,000 | 2,793,000 |
| Provision for loan losses | 100,000 | 293,000 | 293,000 | 393,000 |
| Pretax income | 355,000 | 573,000 | 1,054,000 | 1,185,000 |
| Income tax | 0 | 237,000 | 337,000 | 334,000 |
| Net income | 355,000 | 336,000 | 717,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,347,000 | 8,283,000 | 8,664,000 | 8,164,000 |
| Total capital | 8,790,000 | 8,691,000 | 9,023,000 | 8,528,000 |
| Risk-weighted assets | 39,200,000 | 39,677,000 | 38,891,000 | 37,552,000 |