Call reports 2016
CITIZENS STATE BANK OF OURAY, THE — 2016
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 103,545,000 | 97,738,000 | 99,527,000 | 93,789,000 |
| Total loans | 27,589,000 | 28,888,000 | 28,148,000 | 28,091,000 |
| Allowance for loan losses | 45,000 | 101,000 | 72,000 | 67,000 |
| Securities available for sale | 44,984,000 | 44,010,000 | 46,836,000 | 47,021,000 |
| Securities held to maturity | 1,003,000 | 996,000 | 1,373,000 | 1,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,149,000 | 86,205,000 | 88,064,000 | 83,023,000 |
| Interest-bearing deposits | 66,887,000 | 62,401,000 | 60,555,000 | 60,428,000 |
| Noninterest-bearing deposits | 25,262,000 | 23,804,000 | 27,509,000 | 22,595,000 |
| Equity capital | 9,577,000 | 9,885,000 | 9,848,000 | 9,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,194,000 | 1,801,000 | 2,381,000 |
| Interest expense | 29,000 | 59,000 | 89,000 | 118,000 |
| Net interest income | 575,000 | 1,135,000 | 1,712,000 | 2,263,000 |
| Noninterest income | 2,667,000 | 2,797,000 | 2,952,000 | 3,089,000 |
| Noninterest expense | 3,479,000 | 4,247,000 | 5,001,000 | 5,739,000 |
| Provision for loan losses | 44,000 | 89,000 | 59,000 | 52,000 |
| Pretax income | -281,000 | -404,000 | -396,000 | -439,000 |
| Income tax | 97,000 | -183,000 | -186,000 | -170,000 |
| Net income | -378,000 | -221,000 | -210,000 | -269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,899,000 | 9,089,000 | 9,152,000 | 9,146,000 |
| Total capital | 8,944,000 | 9,190,000 | 9,224,000 | 9,213,000 |
| Risk-weighted assets | 37,663,000 | 38,634,000 | 38,906,000 | 38,800,000 |