Call reports 2012
CITIZENS STATE BANK OF OURAY, THE — 2012
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 95,360,000 | 91,024,000 | 94,820,000 | 94,130,000 |
| Total loans | 32,159,000 | 31,749,000 | 30,152,000 | 27,643,000 |
| Allowance for loan losses | 429,000 | 389,000 | 592,000 | 501,000 |
| Securities available for sale | 44,114,000 | 44,190,000 | 44,386,000 | 43,233,000 |
| Securities held to maturity | 3,349,000 | 3,642,000 | 3,627,000 | 1,489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,286,000 | 79,683,000 | 83,156,000 | 83,167,000 |
| Interest-bearing deposits | 59,957,000 | 59,442,000 | 61,469,000 | 59,342,000 |
| Noninterest-bearing deposits | 24,329,000 | 20,241,000 | 21,687,000 | 23,825,000 |
| Equity capital | 9,974,000 | 10,142,000 | 10,423,000 | 9,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,961,000 | 2,883,000 | 3,819,000 |
| Interest expense | 78,000 | 150,000 | 204,000 | 257,000 |
| Net interest income | 904,000 | 1,811,000 | 2,679,000 | 3,562,000 |
| Noninterest income | 108,000 | 237,000 | 386,000 | 438,000 |
| Noninterest expense | 590,000 | 1,189,000 | 1,781,000 | 2,696,000 |
| Provision for loan losses | 0 | 125,000 | 125,000 | 714,000 |
| Pretax income | 422,000 | 734,000 | 1,159,000 | 590,000 |
| Income tax | 0 | 197,000 | 370,000 | 189,000 |
| Net income | 422,000 | 537,000 | 789,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,586,000 | 8,656,000 | 8,908,000 | 8,520,000 |
| Total capital | 9,015,000 | 9,045,000 | 9,379,000 | 8,962,000 |
| Risk-weighted assets | 40,069,000 | 39,434,000 | 37,568,000 | 35,339,000 |