Call reports 2004
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2004
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,601,000 | 153,474,000 | 160,448,000 | 164,481,000 |
| Total loans | 83,624,000 | 88,549,000 | 91,620,000 | 91,370,000 |
| Allowance for loan losses | 957,000 | 899,000 | 929,000 | 958,000 |
| Securities available for sale | 48,904,000 | 53,311,000 | 50,714,000 | 56,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,218,000 | 133,818,000 | 140,537,000 | 144,999,000 |
| Interest-bearing deposits | 115,353,000 | 117,921,000 | 123,694,000 | 125,598,000 |
| Noninterest-bearing deposits | 17,865,000 | 15,897,000 | 16,843,000 | 19,401,000 |
| Equity capital | 17,738,000 | 17,089,000 | 17,290,000 | 16,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,817,000 | 3,653,000 | 5,548,000 | 7,459,000 |
| Interest expense | 432,000 | 843,000 | 1,266,000 | 1,711,000 |
| Net interest income | 1,385,000 | 2,810,000 | 4,282,000 | 5,748,000 |
| Noninterest income | 104,000 | 229,000 | 351,000 | 462,000 |
| Noninterest expense | 883,000 | 1,740,000 | 2,621,000 | 3,508,000 |
| Provision for loan losses | 28,000 | 63,000 | 95,000 | 126,000 |
| Pretax income | 578,000 | 1,236,000 | 1,917,000 | 2,576,000 |
| Income tax | 0 | 231,000 | 147,000 | 147,000 |
| Net income | 578,000 | 1,005,000 | 1,770,000 | 2,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,256,000 | 16,933,000 | 17,028,000 | 17,051,000 |
| Total capital | 18,213,000 | 17,832,000 | 17,957,000 | 18,009,000 |
| Risk-weighted assets | 105,012,000 | 99,650,000 | 102,689,000 | 109,218,000 |
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