Call reports 2017
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2017
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 213,092,000 | 207,470,000 | 205,740,000 | 211,377,000 |
| Total loans | 132,222,000 | 135,964,000 | 138,439,000 | 133,813,000 |
| Allowance for loan losses | 1,988,000 | 2,048,000 | 2,111,000 | 2,122,000 |
| Securities available for sale | 69,729,000 | 62,619,000 | 60,234,000 | 57,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,055,000 | 189,137,000 | 186,728,000 | 193,790,000 |
| Interest-bearing deposits | 153,096,000 | 150,728,000 | 146,018,000 | 151,303,000 |
| Noninterest-bearing deposits | 36,959,000 | 38,409,000 | 40,710,000 | 42,487,000 |
| Equity capital | 17,327,000 | 18,124,000 | 18,153,000 | 17,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,982,000 | 4,013,000 | 6,033,000 | 8,040,000 |
| Interest expense | 80,000 | 162,000 | 235,000 | 304,000 |
| Net interest income | 1,902,000 | 3,851,000 | 5,798,000 | 7,736,000 |
| Noninterest income | 111,000 | 222,000 | 338,000 | 448,000 |
| Noninterest expense | 1,083,000 | 2,134,000 | 3,200,000 | 4,497,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 870,000 | 1,836,000 | 2,773,000 | 3,524,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 866,000 | 1,832,000 | 2,769,000 | 3,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,169,000 | 18,275,000 | 18,359,000 | 18,348,000 |
| Total capital | 19,898,000 | 20,030,000 | 20,129,000 | 20,115,000 |
| Risk-weighted assets | 138,067,000 | 140,159,000 | 141,258,000 | 141,040,000 |