Call reports 2014
CITIZENS BANK OF EDINA, THE — 2014
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,584,000 | 66,373,000 | 67,586,000 | 68,800,000 |
| Total loans | 53,033,000 | 56,344,000 | 57,516,000 | 58,225,000 |
| Allowance for loan losses | 558,000 | 569,000 | 595,000 | 619,000 |
| Securities available for sale | 5,095,000 | 5,136,000 | 5,128,000 | 5,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,934,000 | 57,239,000 | 55,828,000 | 59,557,000 |
| Interest-bearing deposits | 45,464,000 | 44,128,000 | 42,555,000 | 43,687,000 |
| Noninterest-bearing deposits | 13,470,000 | 13,111,000 | 13,273,000 | 15,870,000 |
| Equity capital | 7,151,000 | 7,236,000 | 7,298,000 | 7,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,514,000 | 2,304,000 | 3,097,000 |
| Interest expense | 57,000 | 112,000 | 168,000 | 226,000 |
| Net interest income | 690,000 | 1,402,000 | 2,136,000 | 2,871,000 |
| Noninterest income | 44,000 | 75,000 | 165,000 | 237,000 |
| Noninterest expense | 310,000 | 599,000 | 924,000 | 1,255,000 |
| Provision for loan losses | 70,000 | 70,000 | 90,000 | 115,000 |
| Pretax income | 354,000 | 808,000 | 1,287,000 | 1,738,000 |
| Income tax | 145,000 | 322,000 | 513,000 | 634,000 |
| Net income | 209,000 | 486,000 | 774,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,203,000 | 7,259,000 | 7,323,000 | 7,433,000 |
| Total capital | 7,761,000 | 7,828,000 | 7,918,000 | 8,052,000 |
| Risk-weighted assets | 52,729,000 | 55,459,000 | 57,193,000 | 58,017,000 |
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