Call reports 2022
CITIZENS STATE BANK OF OURAY, THE — 2022
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 165,850,000 | 177,523,000 | 193,869,000 | 192,719,000 |
| Total loans | 106,760,000 | 112,618,000 | 121,615,000 | 125,328,000 |
| Allowance for loan losses | 1,160,000 | 1,200,000 | 1,214,000 | 1,258,000 |
| Securities available for sale | 30,279,000 | 32,460,000 | 32,679,000 | 34,162,000 |
| Securities held to maturity | 993,000 | 993,000 | 2,642,000 | 2,625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,056,000 | 165,177,000 | 181,799,000 | 180,398,000 |
| Interest-bearing deposits | 101,374,000 | 113,380,000 | 121,774,000 | 123,066,000 |
| Noninterest-bearing deposits | 50,682,000 | 51,797,000 | 60,025,000 | 57,332,000 |
| Equity capital | 13,379,000 | 11,999,000 | 11,457,000 | 11,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,316,000 | 2,737,000 | 4,428,000 | 6,176,000 |
| Interest expense | 46,000 | 130,000 | 342,000 | 732,000 |
| Net interest income | 1,270,000 | 2,607,000 | 4,086,000 | 5,444,000 |
| Noninterest income | 222,000 | 456,000 | 700,000 | 972,000 |
| Noninterest expense | 1,015,000 | 2,161,000 | 3,330,000 | 4,669,000 |
| Provision for loan losses | 48,000 | 90,000 | 105,000 | 150,000 |
| Pretax income | 429,000 | 812,000 | 1,351,000 | 1,597,000 |
| Income tax | 114,000 | 359,000 | 462,000 | 514,000 |
| Net income | 315,000 | 453,000 | 889,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,439,000 | 15,477,000 | 15,921,000 | 16,123,000 |
| Total capital | 16,599,000 | 16,677,000 | 17,135,000 | 17,381,000 |
| Risk-weighted assets | 108,741,000 | 116,532,000 | 125,875,000 | 126,618,000 |