Call reports 2013
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2013
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 195,875,000 | 187,078,000 | 191,199,000 | 193,692,000 |
| Total loans | 122,478,000 | 126,536,000 | 122,939,000 | 120,220,000 |
| Allowance for loan losses | 1,680,000 | 1,770,000 | 1,553,000 | 1,584,000 |
| Securities available for sale | 56,623,000 | 49,928,000 | 51,059,000 | 60,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,752,000 | 171,204,000 | 174,783,000 | 175,642,000 |
| Interest-bearing deposits | 143,819,000 | 138,962,000 | 141,065,000 | 142,500,000 |
| Noninterest-bearing deposits | 34,933,000 | 32,242,000 | 33,718,000 | 33,142,000 |
| Equity capital | 17,006,000 | 15,734,000 | 16,188,000 | 15,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,471,000 | 5,160,000 | 6,872,000 |
| Interest expense | 88,000 | 175,000 | 255,000 | 333,000 |
| Net interest income | 1,659,000 | 3,296,000 | 4,905,000 | 6,539,000 |
| Noninterest income | 118,000 | 220,000 | 344,000 | 435,000 |
| Noninterest expense | 1,076,000 | 2,070,000 | 3,098,000 | 4,183,000 |
| Provision for loan losses | 98,000 | 195,000 | 270,000 | 300,000 |
| Pretax income | 651,000 | 1,300,000 | 1,930,000 | 2,540,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 646,000 | 1,295,000 | 1,925,000 | 2,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,165,000 | 17,182,000 | 17,203,000 | 17,244,000 |
| Total capital | 18,711,000 | 18,739,000 | 18,737,000 | 18,775,000 |
| Risk-weighted assets | 122,758,000 | 123,554,000 | 121,951,000 | 122,364,000 |