Call reports 2012
CITIZENS BANK MINNESOTA — 2012
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 315,234,000 | 318,236,000 | 318,701,000 | 338,528,000 |
| Total loans | 182,564,000 | 189,058,000 | 189,529,000 | 206,573,000 |
| Allowance for loan losses | 1,607,000 | 1,762,000 | 1,764,000 | 1,764,000 |
| Securities available for sale | 107,502,000 | 100,346,000 | 94,183,000 | 102,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,122,000 | 272,551,000 | 271,180,000 | 277,582,000 |
| Interest-bearing deposits | 251,665,000 | 260,996,000 | 259,976,000 | 260,425,000 |
| Noninterest-bearing deposits | 12,457,000 | 11,555,000 | 11,204,000 | 17,157,000 |
| Equity capital | 33,943,000 | 34,116,000 | 35,224,000 | 35,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,987,000 | 6,001,000 | 9,031,000 | 12,074,000 |
| Interest expense | 569,000 | 1,099,000 | 1,621,000 | 2,125,000 |
| Net interest income | 2,418,000 | 4,902,000 | 7,410,000 | 9,949,000 |
| Noninterest income | 712,000 | 1,252,000 | 2,029,000 | 2,935,000 |
| Noninterest expense | 1,763,000 | 3,742,000 | 5,437,000 | 7,557,000 |
| Provision for loan losses | 0 | 158,000 | 158,000 | 158,000 |
| Pretax income | 1,381,000 | 2,257,000 | 3,847,000 | 5,027,000 |
| Income tax | 470,000 | 743,000 | 1,303,000 | 1,700,000 |
| Net income | 911,000 | 1,514,000 | 2,544,000 | 3,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,015,000 | 29,987,000 | 30,967,000 | 31,202,000 |
| Total capital | 31,622,000 | 31,749,000 | 32,731,000 | 33,017,000 |
| Risk-weighted assets | 209,279,000 | 212,957,000 | 212,521,000 | 233,869,000 |
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