Call reports 2021
CITIZENS STATE BANK OF OURAY, THE — 2021
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 167,092,000 | 175,527,000 | 171,157,000 | 161,815,000 |
| Total loans | 114,327,000 | 117,984,000 | 104,052,000 | 107,183,000 |
| Allowance for loan losses | 796,000 | 923,000 | 1,051,000 | 1,114,000 |
| Securities available for sale | 26,709,000 | 31,732,000 | 33,146,000 | 32,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,630,000 | 146,281,000 | 152,202,000 | 145,857,000 |
| Interest-bearing deposits | 95,162,000 | 99,496,000 | 100,251,000 | 96,478,000 |
| Noninterest-bearing deposits | 47,468,000 | 46,785,000 | 51,951,000 | 49,379,000 |
| Equity capital | 13,431,000 | 14,344,000 | 14,938,000 | 14,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,560,000 | 3,775,000 | 5,350,000 | 6,694,000 |
| Interest expense | 57,000 | 113,000 | 178,000 | 226,000 |
| Net interest income | 1,503,000 | 3,662,000 | 5,172,000 | 6,468,000 |
| Noninterest income | 216,000 | 480,000 | 746,000 | 987,000 |
| Noninterest expense | 886,000 | 2,058,000 | 3,059,000 | 4,313,000 |
| Provision for loan losses | 48,000 | 178,000 | 311,000 | 374,000 |
| Pretax income | 870,000 | 1,991,000 | 2,633,000 | 2,853,000 |
| Income tax | 66,000 | 440,000 | 516,000 | 562,000 |
| Net income | 804,000 | 1,551,000 | 2,117,000 | 2,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,432,000 | 14,151,000 | 14,731,000 | 14,922,000 |
| Total capital | 14,228,000 | 15,074,000 | 15,782,000 | 16,036,000 |
| Risk-weighted assets | 105,580,000 | 103,057,000 | 107,033,000 | 109,040,000 |