Call reports 2015
CITIZENS BANK OF EDINA, THE — 2015
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,045,000 | 68,295,000 | 65,979,000 | 70,756,000 |
| Total loans | 57,304,000 | 58,460,000 | 56,395,000 | 59,222,000 |
| Allowance for loan losses | 631,000 | 650,000 | 667,000 | 737,000 |
| Securities available for sale | 5,226,000 | 5,204,000 | 5,233,000 | 5,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,203,000 | 57,370,000 | 56,876,000 | 59,353,000 |
| Interest-bearing deposits | 44,395,000 | 44,940,000 | 44,677,000 | 45,793,000 |
| Noninterest-bearing deposits | 13,808,000 | 12,430,000 | 12,199,000 | 13,560,000 |
| Equity capital | 7,473,000 | 7,505,000 | 7,599,000 | 7,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,562,000 | 2,340,000 | 3,125,000 |
| Interest expense | 56,000 | 113,000 | 170,000 | 230,000 |
| Net interest income | 726,000 | 1,449,000 | 2,170,000 | 2,895,000 |
| Noninterest income | 40,000 | 79,000 | 170,000 | 238,000 |
| Noninterest expense | 363,000 | 669,000 | 977,000 | 1,307,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 100,000 |
| Pretax income | 388,000 | 829,000 | 1,318,000 | 1,726,000 |
| Income tax | 153,000 | 328,000 | 521,000 | 682,000 |
| Net income | 235,000 | 501,000 | 797,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,448,000 | 7,492,000 | 7,566,000 | 7,593,000 |
| Total capital | 8,079,000 | 8,142,000 | 8,233,000 | 8,322,000 |
| Risk-weighted assets | 56,304,000 | 57,713,000 | 56,748,000 | 58,351,000 |