Call reports 2025
CITIZENS STATE BANK OF OURAY, THE — 2025
What CITIZENS STATE BANK OF OURAY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 215,247,000 | 217,664,000 | 222,808,000 | 215,319,000 |
| Total loans | 153,501,000 | 156,347,000 | 155,290,000 | 152,500,000 |
| Allowance for loan losses | 1,511,000 | 1,540,000 | 1,537,000 | 1,498,000 |
| Securities available for sale | 24,679,000 | 24,153,000 | 23,476,000 | 20,316,000 |
| Securities held to maturity | 1,816,000 | 1,762,000 | 1,728,000 | 1,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,471,000 | 200,898,000 | 205,084,000 | 196,525,000 |
| Interest-bearing deposits | 134,855,000 | 132,986,000 | 135,710,000 | 128,686,000 |
| Noninterest-bearing deposits | 63,616,000 | 67,912,000 | 69,374,000 | 67,839,000 |
| Equity capital | 13,786,000 | 13,894,000 | 14,732,000 | 15,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,501,000 | 5,083,000 | 7,771,000 | 10,463,000 |
| Interest expense | 726,000 | 1,448,000 | 2,149,000 | 2,784,000 |
| Net interest income | 1,775,000 | 3,635,000 | 5,622,000 | 7,679,000 |
| Noninterest income | 274,000 | 550,000 | 858,000 | 1,142,000 |
| Noninterest expense | 1,732,000 | 3,550,000 | 5,417,000 | 7,399,000 |
| Provision for loan losses | 30,000 | 60,000 | 74,000 | 104,000 |
| Pretax income | 287,000 | 575,000 | 989,000 | 1,318,000 |
| Income tax | 61,000 | 109,000 | 192,000 | -126,000 |
| Net income | 226,000 | 466,000 | 797,000 | 1,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,163,000 | 17,405,000 | 17,732,000 | 18,380,000 |
| Total capital | 18,674,000 | 18,945,000 | 19,269,000 | 19,878,000 |
| Risk-weighted assets | 146,784,000 | 155,627,000 | 147,293,000 | 155,014,000 |