Call reports 2009
CITIZENS BANK OF EDINA, THE — 2009
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 71,730,000 | 69,089,000 | 69,817,000 | 70,195,000 |
| Total loans | 56,831,000 | 56,339,000 | 57,962,000 | 58,512,000 |
| Allowance for loan losses | 687,000 | 627,000 | 936,000 | 895,000 |
| Securities available for sale | 6,411,000 | 6,042,000 | 6,041,000 | 6,105,000 |
| Securities held to maturity | 60,000 | 375,000 | 372,000 | 369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,579,000 | 56,881,000 | 55,548,000 | 57,692,000 |
| Interest-bearing deposits | 49,053,000 | 48,483,000 | 48,030,000 | 48,589,000 |
| Noninterest-bearing deposits | 9,526,000 | 8,398,000 | 7,518,000 | 9,103,000 |
| Equity capital | 6,452,000 | 6,532,000 | 6,422,000 | 6,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,986,000 | 2,992,000 | 3,977,000 |
| Interest expense | 333,000 | 640,000 | 914,000 | 1,177,000 |
| Net interest income | 641,000 | 1,346,000 | 2,078,000 | 2,800,000 |
| Noninterest income | 56,000 | 106,000 | 218,000 | 300,000 |
| Noninterest expense | 281,000 | 575,000 | 970,000 | 1,390,000 |
| Provision for loan losses | 10,000 | 70,000 | 390,000 | 390,000 |
| Pretax income | 406,000 | 807,000 | 936,000 | 1,320,000 |
| Income tax | 168,000 | 337,000 | 355,000 | 508,000 |
| Net income | 238,000 | 470,000 | 581,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,386,000 | 6,493,000 | 6,382,000 | 6,613,000 |
| Total capital | 7,073,000 | 7,120,000 | 7,138,000 | 7,372,000 |
| Risk-weighted assets | 58,962,000 | 59,281,000 | 60,334,000 | 60,600,000 |
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