Call reports 2019
CITIZENS BANK OF EDINA, THE — 2019
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,632,000 | 71,092,000 | 73,095,000 | 73,639,000 |
| Total loans | 58,489,000 | 59,855,000 | 60,510,000 | 61,015,000 |
| Allowance for loan losses | 753,000 | 752,000 | 703,000 | 739,000 |
| Securities available for sale | 3,869,000 | 3,910,000 | 3,941,000 | 3,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,641,000 | 58,900,000 | 58,760,000 | 61,458,000 |
| Interest-bearing deposits | 44,596,000 | 44,155,000 | 44,082,000 | 45,147,000 |
| Noninterest-bearing deposits | 15,045,000 | 14,745,000 | 14,678,000 | 16,311,000 |
| Equity capital | 8,538,000 | 8,725,000 | 8,822,000 | 8,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,771,000 | 2,660,000 | 3,540,000 |
| Interest expense | 94,000 | 192,000 | 301,000 | 409,000 |
| Net interest income | 787,000 | 1,579,000 | 2,359,000 | 3,131,000 |
| Noninterest income | 53,000 | 129,000 | 214,000 | 300,000 |
| Noninterest expense | 303,000 | 623,000 | 953,000 | 1,287,000 |
| Provision for loan losses | 10,000 | 10,000 | 70,000 | 110,000 |
| Pretax income | 527,000 | 1,075,000 | 1,550,000 | 2,034,000 |
| Income tax | 134,000 | 277,000 | 408,000 | 536,000 |
| Net income | 393,000 | 798,000 | 1,142,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,557,000 | 8,715,000 | 8,812,000 | 8,921,000 |
| Total capital | 9,266,000 | 9,444,000 | 9,515,000 | 9,660,000 |
| Risk-weighted assets | 56,651,000 | 58,292,000 | 59,288,000 | 60,472,000 |