Call reports 2015
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2015
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 205,980,000 | 204,433,000 | 208,995,000 | 212,383,000 |
| Total loans | 122,636,000 | 125,061,000 | 123,131,000 | 124,949,000 |
| Allowance for loan losses | 1,627,000 | 1,621,000 | 1,683,000 | 1,707,000 |
| Securities available for sale | 71,498,000 | 68,821,000 | 67,250,000 | 76,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,515,000 | 184,409,000 | 190,615,000 | 191,339,000 |
| Interest-bearing deposits | 153,352,000 | 150,454,000 | 154,705,000 | 152,355,000 |
| Noninterest-bearing deposits | 34,163,000 | 33,955,000 | 35,910,000 | 38,984,000 |
| Equity capital | 18,351,000 | 17,419,000 | 18,095,000 | 17,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,867,000 | 5,756,000 | 7,653,000 |
| Interest expense | 73,000 | 147,000 | 219,000 | 291,000 |
| Net interest income | 1,888,000 | 3,720,000 | 5,537,000 | 7,362,000 |
| Noninterest income | 198,000 | 304,000 | 447,000 | 558,000 |
| Noninterest expense | 1,017,000 | 2,020,000 | 3,070,000 | 4,213,000 |
| Provision for loan losses | 60,000 | 220,000 | 280,000 | 340,000 |
| Pretax income | 1,009,000 | 1,849,000 | 2,699,000 | 3,426,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 1,005,000 | 1,845,000 | 2,695,000 | 3,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,668,000 | 17,698,000 | 17,773,000 | 17,670,000 |
| Total capital | 19,291,000 | 19,319,000 | 19,403,000 | 19,333,000 |
| Risk-weighted assets | 129,870,000 | 145,900,000 | 130,382,000 | 133,026,000 |