Call reports 2014
CITIZENS BANK MINNESOTA — 2014
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 326,962,000 | 334,439,000 | 341,109,000 | 353,985,000 |
| Total loans | 212,451,000 | 218,862,000 | 224,302,000 | 235,843,000 |
| Allowance for loan losses | 1,789,000 | 1,839,000 | 1,928,000 | 1,898,000 |
| Securities available for sale | 86,854,000 | 90,953,000 | 92,062,000 | 85,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,134,000 | 277,450,000 | 287,893,000 | 298,762,000 |
| Interest-bearing deposits | 261,980,000 | 259,875,000 | 268,872,000 | 270,811,000 |
| Noninterest-bearing deposits | 17,154,000 | 17,575,000 | 19,021,000 | 27,951,000 |
| Equity capital | 36,416,000 | 36,656,000 | 37,363,000 | 37,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,812,000 | 5,671,000 | 8,614,000 | 11,589,000 |
| Interest expense | 407,000 | 820,000 | 1,236,000 | 1,619,000 |
| Net interest income | 2,405,000 | 4,851,000 | 7,378,000 | 9,970,000 |
| Noninterest income | 520,000 | 1,088,000 | 1,803,000 | 2,440,000 |
| Noninterest expense | 1,917,000 | 4,109,000 | 6,095,000 | 8,503,000 |
| Provision for loan losses | 0 | 22,000 | 111,000 | 247,000 |
| Pretax income | 1,171,000 | 2,169,000 | 3,472,000 | 4,156,000 |
| Income tax | 399,000 | 733,000 | 1,191,000 | 1,400,000 |
| Net income | 772,000 | 1,436,000 | 2,281,000 | 2,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,939,000 | 34,003,000 | 34,848,000 | 34,723,000 |
| Total capital | 35,728,000 | 35,842,000 | 36,776,000 | 36,621,000 |
| Risk-weighted assets | 237,893,000 | 243,045,000 | 247,937,000 | 259,299,000 |
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