Call reports 2010
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2010
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 171,429,000 | 183,863,000 | 185,819,000 | 184,187,000 |
| Total loans | 117,549,000 | 120,932,000 | 118,621,000 | 124,312,000 |
| Allowance for loan losses | 1,232,000 | 1,366,000 | 1,300,000 | 1,187,000 |
| Securities available for sale | 43,473,000 | 41,169,000 | 50,139,000 | 51,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,759,000 | 164,785,000 | 167,398,000 | 166,161,000 |
| Interest-bearing deposits | 134,017,000 | 143,627,000 | 146,320,000 | 144,434,000 |
| Noninterest-bearing deposits | 18,742,000 | 21,157,000 | 21,077,000 | 21,726,000 |
| Equity capital | 17,645,000 | 18,028,000 | 17,570,000 | 17,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,031,000 | 4,102,000 | 6,097,000 | 8,082,000 |
| Interest expense | 325,000 | 645,000 | 963,000 | 1,222,000 |
| Net interest income | 1,706,000 | 3,457,000 | 5,134,000 | 6,860,000 |
| Noninterest income | 45,000 | 141,000 | 244,000 | 67,000 |
| Noninterest expense | 1,070,000 | 2,106,000 | 3,143,000 | 4,240,000 |
| Provision for loan losses | 107,000 | 213,000 | 559,000 | 458,000 |
| Pretax income | 574,000 | 1,279,000 | 1,676,000 | 2,229,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 569,000 | 1,274,000 | 1,671,000 | 2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,245,000 | 17,575,000 | 17,086,000 | 17,091,000 |
| Total capital | 18,477,000 | 18,941,000 | 18,386,000 | 18,278,000 |
| Risk-weighted assets | 123,746,000 | 126,718,000 | 125,320,000 | 126,926,000 |