Call reports 2023
CITIZENS STATE BANK OF OURAY, THE — 2023
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 187,820,000 | 192,148,000 | 205,206,000 | 192,464,000 |
| Total loans | 126,977,000 | 130,193,000 | 133,159,000 | 136,320,000 |
| Allowance for loan losses | 1,298,000 | 1,337,000 | 1,342,000 | 1,367,000 |
| Securities available for sale | 34,686,000 | 35,483,000 | 32,921,000 | 29,872,000 |
| Securities held to maturity | 2,583,000 | 2,545,000 | 2,498,000 | 2,416,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,167,000 | 178,755,000 | 192,349,000 | 178,561,000 |
| Interest-bearing deposits | 123,659,000 | 126,872,000 | 133,716,000 | 123,714,000 |
| Noninterest-bearing deposits | 51,508,000 | 51,883,000 | 58,633,000 | 54,847,000 |
| Equity capital | 12,445,000 | 12,827,000 | 12,108,000 | 13,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,846,000 | 3,712,000 | 5,774,000 | 7,947,000 |
| Interest expense | 563,000 | 1,256,000 | 2,021,000 | 2,782,000 |
| Net interest income | 1,283,000 | 2,456,000 | 3,753,000 | 5,165,000 |
| Noninterest income | 260,000 | 490,000 | 787,000 | 1,087,000 |
| Noninterest expense | 1,287,000 | 2,598,000 | 3,988,000 | 5,487,000 |
| Provision for loan losses | 40,000 | 80,000 | 80,000 | 137,000 |
| Pretax income | 216,000 | 268,000 | 472,000 | 628,000 |
| Income tax | 79,000 | 31,000 | 70,000 | 57,000 |
| Net income | 137,000 | 237,000 | 402,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,265,000 | 16,365,000 | 16,530,000 | 16,698,000 |
| Total capital | 17,563,000 | 17,702,000 | 17,872,000 | 18,065,000 |
| Risk-weighted assets | 126,023,000 | 128,394,000 | 135,198,000 | 132,938,000 |