Call reports 2014
CITIZENS STATE BANK OF OURAY, THE — 2014
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,155,000 | 84,556,000 | 89,231,000 | 89,349,000 |
| Total loans | 26,011,000 | 28,835,000 | 28,609,000 | 28,541,000 |
| Allowance for loan losses | 440,000 | 414,000 | 418,000 | 409,000 |
| Securities available for sale | 40,333,000 | 39,864,000 | 43,663,000 | 42,602,000 |
| Securities held to maturity | 1,166,000 | 1,114,000 | 1,112,000 | 1,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,006,000 | 74,001,000 | 78,739,000 | 79,279,000 |
| Interest-bearing deposits | 55,129,000 | 52,855,000 | 56,180,000 | 56,211,000 |
| Noninterest-bearing deposits | 18,877,000 | 21,146,000 | 22,559,000 | 23,068,000 |
| Equity capital | 9,455,000 | 9,762,000 | 9,666,000 | 9,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,540,000 | 2,325,000 | 3,087,000 |
| Interest expense | 31,000 | 57,000 | 83,000 | 109,000 |
| Net interest income | 738,000 | 1,483,000 | 2,242,000 | 2,978,000 |
| Noninterest income | 46,000 | 136,000 | 243,000 | 329,000 |
| Noninterest expense | 757,000 | 1,399,000 | 2,085,000 | 2,853,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -216,000 |
| Pretax income | 27,000 | 420,000 | 600,000 | 670,000 |
| Income tax | -22,000 | 48,000 | 171,000 | 173,000 |
| Net income | 49,000 | 372,000 | 429,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,019,000 | 9,297,000 | 9,354,000 | 9,122,000 |
| Total capital | 9,432,000 | 9,711,000 | 9,772,000 | 9,531,000 |
| Risk-weighted assets | 33,025,000 | 36,254,000 | 36,214,000 | 35,943,000 |