Call reports 2018
CITIZENS STATE BANK OF OURAY, THE — 2018
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 95,678,000 | 97,335,000 | 103,228,000 | 102,169,000 |
| Total loans | 40,722,000 | 43,969,000 | 48,434,000 | 49,060,000 |
| Allowance for loan losses | 253,000 | 280,000 | 295,000 | 384,000 |
| Securities available for sale | 42,353,000 | 40,223,000 | 37,883,000 | 33,960,000 |
| Securities held to maturity | 1,258,000 | 1,252,000 | 1,247,000 | 1,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,644,000 | 86,316,000 | 92,869,000 | 91,516,000 |
| Interest-bearing deposits | 62,400,000 | 64,036,000 | 65,778,000 | 64,808,000 |
| Noninterest-bearing deposits | 22,244,000 | 22,280,000 | 27,091,000 | 26,708,000 |
| Equity capital | 9,424,000 | 9,498,000 | 9,591,000 | 9,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,472,000 | 2,247,000 | 3,069,000 |
| Interest expense | 37,000 | 85,000 | 131,000 | 181,000 |
| Net interest income | 683,000 | 1,387,000 | 2,116,000 | 2,888,000 |
| Noninterest income | 131,000 | 296,000 | 460,000 | 680,000 |
| Noninterest expense | 696,000 | 1,474,000 | 2,243,000 | 2,973,000 |
| Provision for loan losses | 30,000 | 48,000 | 68,000 | 160,000 |
| Pretax income | 88,000 | 161,000 | 265,000 | 426,000 |
| Income tax | 15,000 | 1,000 | 2,000 | 27,000 |
| Net income | 73,000 | 160,000 | 263,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,717,000 | 9,820,000 | 9,960,000 | 10,133,000 |
| Total capital | 9,970,000 | 10,100,000 | 10,255,000 | 10,517,000 |
| Risk-weighted assets | 49,054,000 | 51,589,000 | 55,049,000 | 54,330,000 |