Call reports 2013
CITIZENS BANK MINNESOTA — 2013
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 316,494,000 | 323,914,000 | 330,958,000 | 344,353,000 |
| Total loans | 191,020,000 | 191,977,000 | 201,242,000 | 221,981,000 |
| Allowance for loan losses | 1,769,000 | 1,767,000 | 1,786,000 | 1,788,000 |
| Securities available for sale | 94,965,000 | 100,818,000 | 102,812,000 | 92,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,694,000 | 277,624,000 | 273,207,000 | 289,442,000 |
| Interest-bearing deposits | 257,829,000 | 265,715,000 | 259,169,000 | 266,728,000 |
| Noninterest-bearing deposits | 10,865,000 | 11,909,000 | 14,038,000 | 22,714,000 |
| Equity capital | 35,982,000 | 34,814,000 | 35,671,000 | 35,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,940,000 | 5,776,000 | 8,673,000 | 11,598,000 |
| Interest expense | 449,000 | 886,000 | 1,328,000 | 1,765,000 |
| Net interest income | 2,491,000 | 4,890,000 | 7,345,000 | 9,833,000 |
| Noninterest income | 586,000 | 963,000 | 1,725,000 | 2,416,000 |
| Noninterest expense | 1,767,000 | 3,747,000 | 5,597,000 | 7,829,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 1,310,000 | 2,106,000 | 3,459,000 | 4,540,000 |
| Income tax | 450,000 | 687,000 | 1,149,000 | 1,435,000 |
| Net income | 860,000 | 1,419,000 | 2,310,000 | 3,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,061,000 | 32,051,000 | 32,942,000 | 33,167,000 |
| Total capital | 33,927,000 | 33,966,000 | 34,886,000 | 35,138,000 |
| Risk-weighted assets | 217,951,000 | 221,482,000 | 227,590,000 | 248,312,000 |
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