Call reports 2009
CITIZENS BANK MINNESOTA — 2009
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 258,349,000 | 262,903,000 | 266,609,000 | 271,051,000 |
| Total loans | 173,100,000 | 175,699,000 | 172,927,000 | 174,269,000 |
| Allowance for loan losses | 2,015,000 | 2,106,000 | 1,932,000 | 1,711,000 |
| Securities available for sale | 56,369,000 | 55,531,000 | 62,304,000 | 61,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,964,000 | 219,815,000 | 221,240,000 | 227,891,000 |
| Interest-bearing deposits | 204,844,000 | 209,337,000 | 212,615,000 | 212,655,000 |
| Noninterest-bearing deposits | 10,120,000 | 10,478,000 | 8,625,000 | 15,236,000 |
| Equity capital | 28,150,000 | 28,010,000 | 29,211,000 | 28,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,412,000 | 6,748,000 | 9,987,000 | 13,174,000 |
| Interest expense | 1,072,000 | 2,087,000 | 3,106,000 | 4,068,000 |
| Net interest income | 2,340,000 | 4,661,000 | 6,881,000 | 9,106,000 |
| Noninterest income | 551,000 | 1,038,000 | 1,590,000 | 2,302,000 |
| Noninterest expense | 1,722,000 | 3,673,000 | 5,484,000 | 7,552,000 |
| Provision for loan losses | 195,000 | 343,000 | 447,000 | 904,000 |
| Pretax income | 974,000 | 1,689,000 | 2,546,000 | 2,970,000 |
| Income tax | 316,000 | 531,000 | 812,000 | 985,000 |
| Net income | 658,000 | 1,158,000 | 1,734,000 | 1,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,849,000 | 25,961,000 | 26,614,000 | 26,416,000 |
| Total capital | 27,864,000 | 28,067,000 | 28,546,000 | 28,127,000 |
| Risk-weighted assets | 188,412,000 | 194,032,000 | 190,653,000 | 195,490,000 |
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