Call reports 2017
CITIZENS STATE BANK OF OURAY, THE — 2017
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 92,266,000 | 93,064,000 | 101,524,000 | 99,696,000 |
| Total loans | 28,102,000 | 35,009,000 | 35,631,000 | 40,909,000 |
| Allowance for loan losses | 71,000 | 219,000 | 220,000 | 222,000 |
| Securities available for sale | 46,932,000 | 43,900,000 | 44,213,000 | 44,814,000 |
| Securities held to maturity | 1,360,000 | 1,354,000 | 1,348,000 | 1,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,387,000 | 82,324,000 | 90,678,000 | 88,217,000 |
| Interest-bearing deposits | 59,175,000 | 59,631,000 | 62,525,000 | 62,727,000 |
| Noninterest-bearing deposits | 22,212,000 | 22,693,000 | 28,152,000 | 25,490,000 |
| Equity capital | 9,500,000 | 9,444,000 | 9,572,000 | 9,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,215,000 | 1,888,000 | 2,596,000 |
| Interest expense | 29,000 | 58,000 | 88,000 | 119,000 |
| Net interest income | 567,000 | 1,157,000 | 1,800,000 | 2,477,000 |
| Noninterest income | 193,000 | 352,000 | 570,000 | 730,000 |
| Noninterest expense | 773,000 | 1,605,000 | 2,333,000 | 3,285,000 |
| Provision for loan losses | 10,000 | 134,000 | 134,000 | 134,000 |
| Pretax income | -23,000 | -230,000 | -97,000 | -212,000 |
| Income tax | -20,000 | -93,000 | -109,000 | -543,000 |
| Net income | -3,000 | -137,000 | 12,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,282,000 | 9,182,000 | 9,371,000 | 9,698,000 |
| Total capital | 9,353,000 | 9,401,000 | 9,591,000 | 9,920,000 |
| Risk-weighted assets | 39,202,000 | 44,429,000 | 45,420,000 | 50,289,000 |