Call reports 2023
CITIZENS BANK OF EDINA, THE — 2023
What CITIZENS BANK OF EDINA, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 93,617,000 | 90,933,000 | 91,117,000 | 97,493,000 |
| Total loans | 57,860,000 | 62,965,000 | 63,122,000 | 64,748,000 |
| Allowance for loan losses | 825,000 | 779,000 | 849,000 | 898,000 |
| Securities available for sale | 6,455,000 | 5,388,000 | 5,526,000 | 5,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,073,000 | 80,060,000 | 79,880,000 | 85,799,000 |
| Interest-bearing deposits | 55,303,000 | 54,202,000 | 56,530,000 | 57,610,000 |
| Noninterest-bearing deposits | 27,770,000 | 25,858,000 | 23,350,000 | 28,189,000 |
| Equity capital | 10,264,000 | 10,557,000 | 10,845,000 | 11,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,312,000 | 3,581,000 | 4,925,000 |
| Interest expense | 102,000 | 262,000 | 461,000 | 709,000 |
| Net interest income | 962,000 | 2,050,000 | 3,120,000 | 4,216,000 |
| Noninterest income | 68,000 | 127,000 | 198,000 | 269,000 |
| Noninterest expense | 379,000 | 756,000 | 1,113,000 | 1,496,000 |
| Provision for loan losses | 30,000 | 30,000 | 100,000 | 150,000 |
| Pretax income | 621,000 | 1,391,000 | 2,105,000 | 2,839,000 |
| Income tax | 150,000 | 334,000 | 505,000 | 673,000 |
| Net income | 471,000 | 1,057,000 | 1,600,000 | 2,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,505,000 | 10,839,000 | 11,130,000 | 11,436,000 |