Call reports 2003
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2003
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 162,771,000 | 160,895,000 | 162,025,000 | 161,831,000 |
| Total loans | 81,131,000 | 81,765,000 | 81,904,000 | 84,809,000 |
| Allowance for loan losses | 926,000 | 905,000 | 946,000 | 931,000 |
| Securities available for sale | 61,005,000 | 60,105,000 | 59,200,000 | 54,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,033,000 | 139,759,000 | 141,491,000 | 141,528,000 |
| Interest-bearing deposits | 127,448,000 | 125,239,000 | 124,949,000 | 124,516,000 |
| Noninterest-bearing deposits | 14,585,000 | 14,520,000 | 16,542,000 | 17,012,000 |
| Equity capital | 17,683,000 | 17,946,000 | 17,631,000 | 17,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,020,000 | 3,981,000 | 5,921,000 | 7,806,000 |
| Interest expense | 620,000 | 1,173,000 | 1,685,000 | 2,166,000 |
| Net interest income | 1,400,000 | 2,808,000 | 4,236,000 | 5,640,000 |
| Noninterest income | 105,000 | 211,000 | 319,000 | 423,000 |
| Noninterest expense | 836,000 | 1,711,000 | 2,590,000 | 3,516,000 |
| Provision for loan losses | 29,000 | 57,000 | 86,000 | 78,000 |
| Pretax income | 640,000 | 1,251,000 | 1,879,000 | 2,469,000 |
| Income tax | 248,000 | 483,000 | 725,000 | 955,000 |
| Net income | 392,000 | 768,000 | 1,154,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,057,000 | 17,083,000 | 17,119,000 | 17,128,000 |
| Total capital | 17,983,000 | 17,988,000 | 18,065,000 | 18,059,000 |
| Risk-weighted assets | 97,207,000 | 95,784,000 | 96,410,000 | 98,453,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.