Call reports 2010
CITIZENS BANK MINNESOTA — 2010
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 268,850,000 | 277,782,000 | 295,785,000 | 298,059,000 |
| Total loans | 170,424,000 | 168,556,000 | 164,656,000 | 172,637,000 |
| Allowance for loan losses | 1,975,000 | 1,841,000 | 1,836,000 | 1,695,000 |
| Securities available for sale | 66,530,000 | 72,382,000 | 102,135,000 | 98,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,836,000 | 233,901,000 | 252,381,000 | 255,755,000 |
| Interest-bearing deposits | 214,545,000 | 224,593,000 | 242,146,000 | 243,753,000 |
| Noninterest-bearing deposits | 10,291,000 | 9,308,000 | 10,235,000 | 12,002,000 |
| Equity capital | 29,617,000 | 30,148,000 | 31,623,000 | 29,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,096,000 | 6,228,000 | 9,410,000 | 12,615,000 |
| Interest expense | 855,000 | 1,723,000 | 2,613,000 | 3,396,000 |
| Net interest income | 2,241,000 | 4,505,000 | 6,797,000 | 9,219,000 |
| Noninterest income | 623,000 | 1,467,000 | 2,125,000 | 1,885,000 |
| Noninterest expense | 1,768,000 | 3,573,000 | 5,473,000 | 7,690,000 |
| Provision for loan losses | 265,000 | 478,000 | 478,000 | 478,000 |
| Pretax income | 831,000 | 1,921,000 | 2,971,000 | 2,973,000 |
| Income tax | 267,000 | 628,000 | 975,000 | 881,000 |
| Net income | 564,000 | 1,293,000 | 1,996,000 | 2,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,975,000 | 27,189,000 | 27,889,000 | 27,505,000 |
| Total capital | 28,950,000 | 29,030,000 | 29,725,000 | 29,200,000 |
| Risk-weighted assets | 193,125,000 | 191,130,000 | 191,468,000 | 200,162,000 |
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