Call reports 2016
CITIZENS BANK OF EDINA, THE — 2016
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 68,516,000 | 69,752,000 | 69,807,000 | 70,404,000 |
| Total loans | 58,618,000 | 59,902,000 | 59,626,000 | 58,862,000 |
| Allowance for loan losses | 768,000 | 706,000 | 724,000 | 729,000 |
| Securities available for sale | 5,230,000 | 5,299,000 | 5,288,000 | 5,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,328,000 | 58,013,000 | 57,965,000 | 62,100,000 |
| Interest-bearing deposits | 48,083,000 | 45,978,000 | 46,431,000 | 47,603,000 |
| Noninterest-bearing deposits | 12,245,000 | 12,035,000 | 11,534,000 | 14,497,000 |
| Equity capital | 7,674,000 | 7,744,000 | 7,807,000 | 7,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,627,000 | 2,432,000 | 3,220,000 |
| Interest expense | 61,000 | 121,000 | 184,000 | 247,000 |
| Net interest income | 749,000 | 1,506,000 | 2,248,000 | 2,973,000 |
| Noninterest income | 44,000 | 82,000 | 152,000 | 209,000 |
| Noninterest expense | 322,000 | 636,000 | 958,000 | 1,266,000 |
| Provision for loan losses | 25,000 | 40,000 | 50,000 | 50,000 |
| Pretax income | 446,000 | 912,000 | 1,392,000 | 1,866,000 |
| Income tax | 177,000 | 363,000 | 554,000 | 745,000 |
| Net income | 269,000 | 549,000 | 838,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,640,000 | 7,700,000 | 7,767,000 | 7,828,000 |
| Total capital | 8,369,000 | 8,406,000 | 8,474,000 | 8,533,000 |
| Risk-weighted assets | 58,244,000 | 59,047,000 | 56,518,000 | 56,372,000 |