Call reports 2007
CITIZENS BANK MINNESOTA — 2007
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 236,302,000 | 247,052,000 | 252,071,000 | 256,452,000 |
| Total loans | 169,138,000 | 175,331,000 | 177,438,000 | 179,155,000 |
| Allowance for loan losses | 1,906,000 | 1,959,000 | 2,014,000 | 2,271,000 |
| Securities available for sale | 48,184,000 | 46,942,000 | 50,631,000 | 51,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,560,000 | 201,507,000 | 207,163,000 | 211,175,000 |
| Interest-bearing deposits | 165,561,000 | 174,903,000 | 181,923,000 | 175,777,000 |
| Noninterest-bearing deposits | 23,999,000 | 26,604,000 | 25,240,000 | 35,398,000 |
| Equity capital | 24,948,000 | 24,966,000 | 26,005,000 | 26,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,644,000 | 7,403,000 | 11,356,000 | 15,322,000 |
| Interest expense | 1,717,000 | 3,521,000 | 5,456,000 | 7,303,000 |
| Net interest income | 1,927,000 | 3,882,000 | 5,900,000 | 8,019,000 |
| Noninterest income | 503,000 | 1,137,000 | 1,744,000 | 2,551,000 |
| Noninterest expense | 1,484,000 | 2,890,000 | 4,384,000 | 6,024,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 416,000 |
| Pretax income | 892,000 | 2,023,000 | 3,100,000 | 4,133,000 |
| Income tax | 295,000 | 686,000 | 1,052,000 | 1,382,000 |
| Net income | 597,000 | 1,337,000 | 2,048,000 | 2,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,391,000 | 23,591,000 | 24,301,000 | 24,465,000 |
| Total capital | 25,297,000 | 25,550,000 | 26,315,000 | 26,736,000 |
| Risk-weighted assets | 178,585,000 | 183,940,000 | 187,393,000 | 197,026,000 |
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