Call reports 2013
CITIZENS BANK OF EDINA, THE — 2013
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,945,000 | 66,076,000 | 65,277,000 | 65,988,000 |
| Total loans | 51,027,000 | 52,278,000 | 55,227,000 | 55,262,000 |
| Allowance for loan losses | 526,000 | 523,000 | 529,000 | 707,000 |
| Securities available for sale | 4,904,000 | 5,126,000 | 5,077,000 | 5,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,212,000 | 57,713,000 | 55,484,000 | 58,323,000 |
| Interest-bearing deposits | 46,939,000 | 46,685,000 | 44,923,000 | 44,648,000 |
| Noninterest-bearing deposits | 11,273,000 | 11,028,000 | 10,561,000 | 13,675,000 |
| Equity capital | 7,230,000 | 7,214,000 | 7,254,000 | 7,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,466,000 | 2,233,000 | 3,002,000 |
| Interest expense | 76,000 | 144,000 | 210,000 | 273,000 |
| Net interest income | 645,000 | 1,322,000 | 2,023,000 | 2,729,000 |
| Noninterest income | 66,000 | 113,000 | 222,000 | 266,000 |
| Noninterest expense | 303,000 | 599,000 | 904,000 | 1,200,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 196,000 |
| Pretax income | 408,000 | 836,000 | 1,321,000 | 1,599,000 |
| Income tax | 158,000 | 327,000 | 528,000 | 685,000 |
| Net income | 250,000 | 509,000 | 793,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,219,000 | 7,253,000 | 7,317,000 | 7,216,000 |
| Total capital | 7,745,000 | 7,776,000 | 7,846,000 | 7,898,000 |
| Risk-weighted assets | 50,798,000 | 51,077,000 | 54,698,000 | 54,552,000 |
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