Call reports 2013
CITIZENS STATE BANK OF OURAY, THE — 2013
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 90,054,000 | 89,459,000 | 90,266,000 | 89,381,000 |
| Total loans | 26,866,000 | 27,032,000 | 25,715,000 | 25,683,000 |
| Allowance for loan losses | 547,000 | 661,000 | 701,000 | 422,000 |
| Securities available for sale | 44,180,000 | 42,938,000 | 44,375,000 | 41,536,000 |
| Securities held to maturity | 1,486,000 | 1,484,000 | 1,481,000 | 1,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,973,000 | 78,995,000 | 79,307,000 | 79,312,000 |
| Interest-bearing deposits | 56,011,000 | 55,686,000 | 57,582,000 | 59,478,000 |
| Noninterest-bearing deposits | 22,962,000 | 23,309,000 | 21,725,000 | 19,834,000 |
| Equity capital | 10,082,000 | 9,845,000 | 10,229,000 | 9,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 852,000 | 1,695,000 | 2,545,000 | 3,320,000 |
| Interest expense | 47,000 | 87,000 | 126,000 | 162,000 |
| Net interest income | 805,000 | 1,608,000 | 2,419,000 | 3,158,000 |
| Noninterest income | 164,000 | 781,000 | 919,000 | 1,012,000 |
| Noninterest expense | 578,000 | 1,249,000 | 1,986,000 | 2,839,000 |
| Provision for loan losses | 0 | 0 | -220,000 | -384,000 |
| Pretax income | 391,000 | 1,140,000 | 1,572,000 | 1,715,000 |
| Income tax | 153,000 | 378,000 | 446,000 | 586,000 |
| Net income | 238,000 | 762,000 | 1,126,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,758,000 | 9,237,000 | 9,602,000 | 8,970,000 |
| Total capital | 9,199,000 | 9,675,000 | 10,037,000 | 9,386,000 |
| Risk-weighted assets | 35,183,000 | 34,782,000 | 34,517,000 | 33,248,000 |