Call reports 2006
CITIZENS BANK MINNESOTA — 2006
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 227,266,000 | 232,624,000 | 237,338,000 | 245,781,000 |
| Total loans | 149,153,000 | 159,026,000 | 162,857,000 | 170,028,000 |
| Allowance for loan losses | 1,649,000 | 1,702,000 | 1,703,000 | 1,851,000 |
| Securities available for sale | 53,767,000 | 51,013,000 | 50,399,000 | 51,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,012,000 | 182,038,000 | 190,606,000 | 200,721,000 |
| Interest-bearing deposits | 152,530,000 | 157,911,000 | 164,664,000 | 167,966,000 |
| Noninterest-bearing deposits | 23,482,000 | 24,126,000 | 25,942,000 | 32,755,000 |
| Equity capital | 23,474,000 | 23,279,000 | 24,220,000 | 24,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,175,000 | 6,473,000 | 9,947,000 | 13,604,000 |
| Interest expense | 1,439,000 | 2,952,000 | 4,655,000 | 6,409,000 |
| Net interest income | 1,736,000 | 3,521,000 | 5,292,000 | 7,195,000 |
| Noninterest income | 525,000 | 1,050,000 | 1,627,000 | 2,244,000 |
| Noninterest expense | 1,526,000 | 2,935,000 | 4,431,000 | 6,000,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 200,000 |
| Pretax income | 735,000 | 1,585,000 | 2,437,000 | 3,238,000 |
| Income tax | 234,000 | 511,000 | 791,000 | 1,053,000 |
| Net income | 501,000 | 1,074,000 | 1,646,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,119,000 | 22,188,000 | 22,760,000 | 22,795,000 |
| Total capital | 23,768,000 | 23,890,000 | 24,463,000 | 24,646,000 |
| Risk-weighted assets | 169,529,000 | 174,622,000 | 176,930,000 | 184,778,000 |
Machine access — free, no API key
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