Call reports 2015
CITIZENS BANK MINNESOTA — 2015
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 337,218,000 | 342,440,000 | 357,919,000 | 378,714,000 |
| Total loans | 230,287,000 | 234,545,000 | 238,682,000 | 251,192,000 |
| Allowance for loan losses | 1,895,000 | 1,955,000 | 1,956,000 | 2,114,000 |
| Securities available for sale | 80,016,000 | 80,347,000 | 81,513,000 | 99,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,869,000 | 285,900,000 | 301,121,000 | 308,625,000 |
| Interest-bearing deposits | 270,317,000 | 265,152,000 | 280,375,000 | 281,687,000 |
| Noninterest-bearing deposits | 20,552,000 | 20,748,000 | 20,746,000 | 26,938,000 |
| Equity capital | 38,051,000 | 37,605,000 | 38,415,000 | 38,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,883,000 | 5,853,000 | 8,855,000 | 11,967,000 |
| Interest expense | 345,000 | 681,000 | 1,086,000 | 1,507,000 |
| Net interest income | 2,538,000 | 5,172,000 | 7,769,000 | 10,460,000 |
| Noninterest income | 505,000 | 1,117,000 | 1,787,000 | 2,523,000 |
| Noninterest expense | 2,101,000 | 4,360,000 | 6,517,000 | 9,038,000 |
| Provision for loan losses | 0 | 57,000 | 83,000 | 172,000 |
| Pretax income | 942,000 | 1,872,000 | 2,956,000 | 3,773,000 |
| Income tax | 322,000 | 642,000 | 1,026,000 | 1,266,000 |
| Net income | 620,000 | 1,230,000 | 1,930,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,343,000 | 35,278,000 | 35,978,000 | 35,880,000 |
| Total capital | 37,238,000 | 37,233,000 | 37,934,000 | 37,994,000 |
| Risk-weighted assets | 296,740,000 | 300,923,000 | 304,932,000 | 320,882,000 |