Call reports 2011
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2011
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 176,790,000 | 183,232,000 | 192,111,000 | 197,169,000 |
| Total loans | 119,473,000 | 120,872,000 | 122,225,000 | 121,254,000 |
| Allowance for loan losses | 1,202,000 | 1,167,000 | 1,285,000 | 1,438,000 |
| Securities available for sale | 46,884,000 | 43,781,000 | 49,395,000 | 57,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,243,000 | 164,990,000 | 173,772,000 | 179,158,000 |
| Interest-bearing deposits | 134,097,000 | 141,488,000 | 147,854,000 | 148,719,000 |
| Noninterest-bearing deposits | 23,146,000 | 23,502,000 | 25,918,000 | 30,438,000 |
| Equity capital | 17,264,000 | 17,534,000 | 17,544,000 | 17,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,731,000 | 5,623,000 | 7,508,000 |
| Interest expense | 215,000 | 422,000 | 614,000 | 784,000 |
| Net interest income | 1,651,000 | 3,309,000 | 5,009,000 | 6,724,000 |
| Noninterest income | 118,000 | 224,000 | 316,000 | 420,000 |
| Noninterest expense | 1,105,000 | 2,171,000 | 3,190,000 | 4,300,000 |
| Provision for loan losses | 107,000 | 218,000 | 339,000 | 627,000 |
| Pretax income | 557,000 | 1,144,000 | 1,796,000 | 2,217,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 552,000 | 1,139,000 | 1,791,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,061,000 | 17,104,000 | 17,132,000 | 17,031,000 |
| Total capital | 18,263,000 | 18,271,000 | 18,417,000 | 18,469,000 |
| Risk-weighted assets | 124,028,000 | 127,017,000 | 129,209,000 | 129,073,000 |