Call reports 2018
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2018
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 210,953,000 | 206,889,000 | 207,045,000 | 206,702,000 |
| Total loans | 132,907,000 | 139,489,000 | 139,736,000 | 142,314,000 |
| Allowance for loan losses | 2,182,000 | 2,243,000 | 2,304,000 | 2,322,000 |
| Securities available for sale | 57,001,000 | 59,111,000 | 56,838,000 | 55,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,252,000 | 189,409,000 | 190,307,000 | 188,121,000 |
| Interest-bearing deposits | 158,626,000 | 150,454,000 | 152,799,000 | 153,610,000 |
| Noninterest-bearing deposits | 35,626,000 | 38,955,000 | 37,508,000 | 34,511,000 |
| Equity capital | 16,508,000 | 16,431,000 | 16,313,000 | 16,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,985,000 | 4,046,000 | 6,212,000 | 8,375,000 |
| Interest expense | 78,000 | 195,000 | 373,000 | 581,000 |
| Net interest income | 1,907,000 | 3,851,000 | 5,839,000 | 7,794,000 |
| Noninterest income | 114,000 | 235,000 | 357,000 | 478,000 |
| Noninterest expense | 1,276,000 | 2,374,000 | 3,442,000 | 4,625,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 666,000 | 1,573,000 | 2,555,000 | 3,388,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 662,000 | 1,569,000 | 2,551,000 | 3,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,260,000 | 18,402,000 | 18,589,000 | 18,676,000 |
| Total capital | 20,013,000 | 20,190,000 | 20,410,000 | 20,501,000 |
| Risk-weighted assets | 139,835,000 | 142,586,000 | 145,189,000 | 145,501,000 |