Call reports 2015
CITIZENS STATE BANK OF OURAY, THE — 2015
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,218,000 | 90,569,000 | 93,531,000 | 90,498,000 |
| Total loans | 27,487,000 | 31,086,000 | 29,314,000 | 27,994,000 |
| Allowance for loan losses | 362,000 | 398,000 | 381,000 | 364,000 |
| Securities available for sale | 47,298,000 | 46,865,000 | 46,889,000 | 44,823,000 |
| Securities held to maturity | 1,057,000 | 1,055,000 | 1,053,000 | 951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,593,000 | 80,252,000 | 82,892,000 | 80,347,000 |
| Interest-bearing deposits | 57,115,000 | 58,794,000 | 60,123,000 | 57,873,000 |
| Noninterest-bearing deposits | 21,478,000 | 21,458,000 | 22,769,000 | 22,474,000 |
| Equity capital | 9,800,000 | 9,657,000 | 9,871,000 | 9,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 739,000 | 1,506,000 | 2,261,000 | 2,993,000 |
| Interest expense | 27,000 | 54,000 | 82,000 | 110,000 |
| Net interest income | 712,000 | 1,452,000 | 2,179,000 | 2,883,000 |
| Noninterest income | 79,000 | 160,000 | 282,000 | 372,000 |
| Noninterest expense | 674,000 | 1,320,000 | 1,957,000 | 2,690,000 |
| Provision for loan losses | -35,000 | 0 | -18,000 | -38,000 |
| Pretax income | 152,000 | 292,000 | 522,000 | 603,000 |
| Income tax | 53,000 | 106,000 | 226,000 | 208,000 |
| Net income | 99,000 | 186,000 | 296,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,221,000 | 9,262,000 | 9,372,000 | 9,347,000 |
| Total capital | 9,583,000 | 9,660,000 | 9,753,000 | 9,711,000 |
| Risk-weighted assets | 36,409,000 | 40,121,000 | 38,327,000 | 36,901,000 |