Call reports 2012
CITIZENS BANK OF EDINA, THE — 2012
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,301,000 | 63,823,000 | 64,208,000 | 67,152,000 |
| Total loans | 47,687,000 | 50,193,000 | 50,243,000 | 50,772,000 |
| Allowance for loan losses | 782,000 | 797,000 | 527,000 | 527,000 |
| Securities available for sale | 4,920,000 | 4,938,000 | 4,930,000 | 4,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,377,000 | 56,245,000 | 56,703,000 | 59,460,000 |
| Interest-bearing deposits | 47,779,000 | 46,475,000 | 46,484,000 | 46,332,000 |
| Noninterest-bearing deposits | 10,598,000 | 9,770,000 | 10,219,000 | 13,128,000 |
| Equity capital | 7,109,000 | 7,099,000 | 6,993,000 | 7,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,511,000 | 2,272,000 | 3,014,000 |
| Interest expense | 115,000 | 216,000 | 307,000 | 390,000 |
| Net interest income | 651,000 | 1,295,000 | 1,965,000 | 2,624,000 |
| Noninterest income | 59,000 | 105,000 | 202,000 | 379,000 |
| Noninterest expense | 334,000 | 664,000 | 949,000 | 1,192,000 |
| Provision for loan losses | 0 | 15,000 | 245,000 | 245,000 |
| Pretax income | 376,000 | 721,000 | 973,000 | 1,566,000 |
| Income tax | 160,000 | 299,000 | 442,000 | 604,000 |
| Net income | 216,000 | 422,000 | 531,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,107,000 | 7,089,000 | 6,978,000 | 7,189,000 |
| Total capital | 7,724,000 | 7,717,000 | 7,505,000 | 7,716,000 |
| Risk-weighted assets | 49,231,000 | 50,096,000 | 50,278,000 | 51,695,000 |
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