Call reports 2019
CITIZENS STATE BANK OF OURAY, THE — 2019
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 101,715,000 | 105,229,000 | 117,203,000 | 115,903,000 |
| Total loans | 50,655,000 | 56,374,000 | 59,232,000 | 62,990,000 |
| Allowance for loan losses | 405,000 | 433,000 | 466,000 | 495,000 |
| Securities available for sale | 33,260,000 | 29,689,000 | 29,827,000 | 25,674,000 |
| Securities held to maturity | 1,138,000 | 1,133,000 | 1,128,000 | 1,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,563,000 | 93,681,000 | 105,318,000 | 103,854,000 |
| Interest-bearing deposits | 65,397,000 | 65,965,000 | 70,562,000 | 72,902,000 |
| Noninterest-bearing deposits | 25,166,000 | 27,716,000 | 34,756,000 | 30,952,000 |
| Equity capital | 10,383,000 | 10,783,000 | 11,081,000 | 11,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 821,000 | 1,748,000 | 2,727,000 | 3,715,000 |
| Interest expense | 45,000 | 114,000 | 198,000 | 314,000 |
| Net interest income | 776,000 | 1,634,000 | 2,529,000 | 3,401,000 |
| Noninterest income | 129,000 | 232,000 | 415,000 | 522,000 |
| Noninterest expense | 727,000 | 1,533,000 | 2,382,000 | 3,239,000 |
| Provision for loan losses | 23,000 | 61,000 | 94,000 | 127,000 |
| Pretax income | 155,000 | 272,000 | 468,000 | 557,000 |
| Income tax | -79,000 | -115,000 | -143,000 | -571,000 |
| Net income | 234,000 | 387,000 | 611,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,397,000 | 10,580,000 | 10,834,000 | 11,380,000 |
| Total capital | 10,802,000 | 11,013,000 | 11,300,000 | 11,875,000 |
| Risk-weighted assets | 56,152,000 | 61,399,000 | 59,232,000 | 70,239,000 |