Call reports 2020
CITIZENS STATE BANK OF OURAY, THE — 2020
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 119,600,000 | 145,456,000 | 149,479,000 | 149,500,000 |
| Total loans | 65,782,000 | 94,334,000 | 99,143,000 | 97,177,000 |
| Allowance for loan losses | 656,000 | 610,000 | 662,000 | 752,000 |
| Securities available for sale | 26,159,000 | 23,783,000 | 14,995,000 | 19,989,000 |
| Securities held to maturity | 1,119,000 | 1,114,000 | 1,109,000 | 5,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,093,000 | 127,684,000 | 135,908,000 | 135,532,000 |
| Interest-bearing deposits | 78,087,000 | 85,888,000 | 91,257,000 | 92,996,000 |
| Noninterest-bearing deposits | 29,006,000 | 41,796,000 | 44,651,000 | 42,536,000 |
| Equity capital | 11,888,000 | 12,123,000 | 12,342,000 | 13,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,001,000 | 2,315,000 | 3,640,000 | 5,006,000 |
| Interest expense | 127,000 | 244,000 | 335,000 | 403,000 |
| Net interest income | 874,000 | 2,071,000 | 3,305,000 | 4,603,000 |
| Noninterest income | 145,000 | 307,000 | 536,000 | 1,459,000 |
| Noninterest expense | 939,000 | 1,880,000 | 2,811,000 | 4,121,000 |
| Provision for loan losses | 160,000 | 259,000 | 309,000 | 399,000 |
| Pretax income | -80,000 | 239,000 | 838,000 | 1,659,000 |
| Income tax | 60,000 | 160,000 | 207,000 | 298,000 |
| Net income | -140,000 | 79,000 | 631,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,263,000 | 11,505,000 | 11,901,000 | 12,654,000 |
| Total capital | 11,919,000 | 12,115,000 | 12,563,000 | 13,406,000 |
| Risk-weighted assets | 74,318,000 | 80,293,000 | 79,970,000 | 85,962,000 |