Call reports 2024
CITIZENS STATE BANK OF OURAY, THE — 2024
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 207,429,000 | 207,799,000 | 219,575,000 | 205,362,000 |
| Total loans | 140,397,000 | 144,857,000 | 146,140,000 | 149,106,000 |
| Allowance for loan losses | 1,380,000 | 1,426,000 | 1,468,000 | 1,481,000 |
| Securities available for sale | 27,738,000 | 27,549,000 | 25,998,000 | 24,597,000 |
| Securities held to maturity | 2,359,000 | 2,319,000 | 2,278,000 | 2,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,669,000 | 187,695,000 | 204,793,000 | 188,980,000 |
| Interest-bearing deposits | 130,499,000 | 131,328,000 | 138,756,000 | 127,955,000 |
| Noninterest-bearing deposits | 57,170,000 | 56,367,000 | 66,037,000 | 61,025,000 |
| Equity capital | 13,096,000 | 13,119,000 | 13,854,000 | 13,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,440,000 | 6,926,000 | 9,407,000 |
| Interest expense | 808,000 | 1,728,000 | 2,728,000 | 3,522,000 |
| Net interest income | 1,290,000 | 2,712,000 | 4,198,000 | 5,885,000 |
| Noninterest income | 254,000 | 503,000 | 760,000 | 1,023,000 |
| Noninterest expense | 1,437,000 | 3,122,000 | 4,716,000 | 6,522,000 |
| Provision for loan losses | 15,000 | 60,000 | 105,000 | 121,000 |
| Pretax income | 92,000 | 33,000 | 137,000 | 265,000 |
| Income tax | 0 | 0 | 0 | 53,000 |
| Net income | 92,000 | 33,000 | 137,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,790,000 | 16,732,000 | 16,836,000 | 16,935,000 |
| Total capital | 18,170,000 | 18,158,000 | 18,304,000 | 18,416,000 |
| Risk-weighted assets | 139,548,000 | 140,085,000 | 145,435,000 | 147,036,000 |