Call reports 2025
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2025
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 312,834,000 | 339,134,000 | 319,911,000 | 322,185,000 |
| Total loans | 164,225,000 | 162,658,000 | 161,973,000 | 164,814,000 |
| Allowance for loan losses | 2,076,000 | 2,105,000 | 2,151,000 | 2,178,000 |
| Securities available for sale | 125,437,000 | 124,216,000 | 130,506,000 | 130,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,527,000 | 314,989,000 | 289,460,000 | 293,543,000 |
| Interest-bearing deposits | 215,432,000 | 232,847,000 | 217,765,000 | 226,792,000 |
| Noninterest-bearing deposits | 71,095,000 | 82,142,000 | 71,695,000 | 66,751,000 |
| Equity capital | 10,609,000 | 10,808,000 | 15,045,000 | 16,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,217,000 | 6,500,000 | 9,802,000 | 13,202,000 |
| Interest expense | 990,000 | 2,022,000 | 3,048,000 | 4,049,000 |
| Net interest income | 2,227,000 | 4,478,000 | 6,754,000 | 9,153,000 |
| Noninterest income | 185,000 | 397,000 | 596,000 | 797,000 |
| Noninterest expense | 1,506,000 | 2,993,000 | 4,537,000 | 6,201,000 |
| Provision for loan losses | -17,000 | 12,000 | 58,000 | 85,000 |
| Pretax income | 896,000 | 1,842,000 | 2,743,000 | 3,610,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 896,000 | 1,842,000 | 2,743,000 | 3,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,275,000 | 26,714,000 | 27,003,000 | 27,194,000 |
| Total capital | 28,484,000 | 28,953,000 | 29,272,000 | 29,493,000 |
| Risk-weighted assets | 195,587,000 | 198,768,000 | 192,800,000 | 197,705,000 |