Call reports 2016
CITIZENS BANK MINNESOTA — 2016
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 362,703,000 | 362,999,000 | 363,350,000 | 369,485,000 |
| Total loans | 246,656,000 | 251,009,000 | 253,631,000 | 253,095,000 |
| Allowance for loan losses | 2,116,000 | 2,101,000 | 2,098,000 | 2,112,000 |
| Securities available for sale | 88,277,000 | 83,633,000 | 81,043,000 | 88,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,990,000 | 303,449,000 | 294,754,000 | 301,607,000 |
| Interest-bearing deposits | 280,463,000 | 281,668,000 | 277,217,000 | 281,446,000 |
| Noninterest-bearing deposits | 17,527,000 | 21,781,000 | 17,537,000 | 20,161,000 |
| Equity capital | 39,361,000 | 39,306,000 | 39,871,000 | 38,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,154,000 | 6,302,000 | 9,480,000 | 12,646,000 |
| Interest expense | 433,000 | 863,000 | 1,305,000 | 1,740,000 |
| Net interest income | 2,721,000 | 5,439,000 | 8,175,000 | 10,906,000 |
| Noninterest income | 887,000 | 1,186,000 | 1,920,000 | 2,753,000 |
| Noninterest expense | 2,091,000 | 4,394,000 | 6,783,000 | 9,154,000 |
| Provision for loan losses | 0 | 243,000 | 243,000 | 243,000 |
| Pretax income | 1,516,000 | 1,987,000 | 3,068,000 | 4,261,000 |
| Income tax | 552,000 | 681,000 | 1,058,000 | 1,490,000 |
| Net income | 964,000 | 1,306,000 | 2,010,000 | 2,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,844,000 | 36,571,000 | 37,275,000 | 37,421,000 |
| Total capital | 38,960,000 | 38,672,000 | 39,373,000 | 39,533,000 |
| Risk-weighted assets | 315,632,000 | 319,031,000 | 319,621,000 | 321,955,000 |