Call reports 2018
CITIZENS BANK MINNESOTA — 2018
What CITIZENS BANK MINNESOTA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 380,633,000 | 388,803,000 | 392,721,000 | 417,415,000 |
| Total loans | 269,443,000 | 274,258,000 | 278,621,000 | 283,722,000 |
| Allowance for loan losses | 2,146,000 | 2,147,000 | 2,292,000 | 2,290,000 |
| Securities available for sale | 83,551,000 | 82,951,000 | 77,486,000 | 85,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,556,000 | 315,159,000 | 324,577,000 | 348,959,000 |
| Interest-bearing deposits | 297,431,000 | 299,571,000 | 309,097,000 | 318,405,000 |
| Noninterest-bearing deposits | 16,125,000 | 15,588,000 | 15,480,000 | 30,554,000 |
| Equity capital | 40,118,000 | 40,203,000 | 40,734,000 | 41,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,438,000 | 7,095,000 | 10,850,000 | 14,764,000 |
| Interest expense | 646,000 | 1,364,000 | 2,176,000 | 3,101,000 |
| Net interest income | 2,792,000 | 5,731,000 | 8,674,000 | 11,663,000 |
| Noninterest income | 536,000 | 1,092,000 | 1,794,000 | 2,559,000 |
| Noninterest expense | 2,467,000 | 4,792,000 | 7,308,000 | 9,926,000 |
| Provision for loan losses | 0 | 0 | 146,000 | 146,000 |
| Pretax income | 861,000 | 2,031,000 | 3,014,000 | 4,150,000 |
| Income tax | 218,000 | 525,000 | 779,000 | 1,074,000 |
| Net income | 643,000 | 1,506,000 | 2,235,000 | 3,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,196,000 | 39,471,000 | 40,201,000 | 40,225,000 |
| Total capital | 41,342,000 | 41,618,000 | 42,493,000 | 42,515,000 |
| Risk-weighted assets | 339,866,000 | 344,485,000 | 346,867,000 | 361,025,000 |