Call reports 2012
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2012
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 190,762,000 | 184,053,000 | 186,169,000 | 200,546,000 |
| Total loans | 118,830,000 | 129,132,000 | 122,869,000 | 124,985,000 |
| Allowance for loan losses | 1,352,000 | 1,455,000 | 1,487,000 | 1,583,000 |
| Securities available for sale | 53,784,000 | 46,438,000 | 42,223,000 | 51,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,672,000 | 166,033,000 | 167,971,000 | 183,075,000 |
| Interest-bearing deposits | 145,445,000 | 138,734,000 | 138,889,000 | 150,181,000 |
| Noninterest-bearing deposits | 27,227,000 | 27,299,000 | 29,082,000 | 32,894,000 |
| Equity capital | 17,450,000 | 17,369,000 | 17,464,000 | 17,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,802,000 | 3,675,000 | 5,550,000 | 7,348,000 |
| Interest expense | 149,000 | 278,000 | 392,000 | 489,000 |
| Net interest income | 1,653,000 | 3,397,000 | 5,158,000 | 6,859,000 |
| Noninterest income | 60,000 | 168,000 | 278,000 | 412,000 |
| Noninterest expense | 1,092,000 | 2,121,000 | 3,150,000 | 4,297,000 |
| Provision for loan losses | 122,000 | 243,000 | 365,000 | 486,000 |
| Pretax income | 499,000 | 1,209,000 | 1,929,000 | 2,496,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 494,000 | 1,204,000 | 1,924,000 | 2,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,175,000 | 17,091,000 | 17,161,000 | 17,148,000 |
| Total capital | 18,527,000 | 18,546,000 | 18,648,000 | 18,731,000 |
| Risk-weighted assets | 120,744,000 | 126,177,000 | 122,632,000 | 126,225,000 |