Call reports 2009
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2009
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 186,452,000 | 183,557,000 | 174,442,000 | 175,378,000 |
| Total loans | 113,678,000 | 113,104,000 | 111,352,000 | 113,325,000 |
| Allowance for loan losses | 712,000 | 777,000 | 852,000 | 1,121,000 |
| Securities available for sale | 45,651,000 | 52,305,000 | 49,931,000 | 49,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,268,000 | 163,398,000 | 154,181,000 | 156,434,000 |
| Interest-bearing deposits | 146,059,000 | 145,961,000 | 137,081,000 | 136,533,000 |
| Noninterest-bearing deposits | 20,209,000 | 17,436,000 | 17,100,000 | 19,901,000 |
| Equity capital | 18,404,000 | 18,306,000 | 18,321,000 | 17,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,260,000 | 4,500,000 | 6,656,000 | 8,735,000 |
| Interest expense | 581,000 | 1,096,000 | 1,552,000 | 1,938,000 |
| Net interest income | 1,679,000 | 3,404,000 | 5,104,000 | 6,797,000 |
| Noninterest income | 125,000 | 250,000 | 362,000 | 473,000 |
| Noninterest expense | 1,077,000 | 2,110,000 | 3,202,000 | 4,303,000 |
| Provision for loan losses | 92,000 | 183,000 | 280,000 | 704,000 |
| Pretax income | 635,000 | 1,361,000 | 1,984,000 | 2,263,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 630,000 | 1,356,000 | 1,979,000 | 2,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,448,000 | 17,511,000 | 17,497,000 | 17,303,000 |
| Total capital | 18,160,000 | 18,288,000 | 18,349,000 | 18,424,000 |
| Risk-weighted assets | 123,693,000 | 121,953,000 | 120,071,000 | 122,075,000 |
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