Call reports 2003
FIRST AND CITIZENS BANK — 2003
What FIRST AND CITIZENS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 73,928,000 | 74,290,000 | 76,856,000 | 78,877,000 |
| Total loans | 53,052,000 | 55,750,000 | 56,086,000 | 57,584,000 |
| Allowance for loan losses | 894,000 | 797,000 | 921,000 | 915,000 |
| Securities available for sale | 13,059,000 | 13,712,000 | 15,717,000 | 17,253,000 |
| Securities held to maturity | 61,000 | 52,000 | 42,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,222,000 | 67,325,000 | 69,614,000 | 71,681,000 |
| Interest-bearing deposits | 59,227,000 | 59,703,000 | 61,228,000 | 64,683,000 |
| Noninterest-bearing deposits | 7,995,000 | 7,622,000 | 8,386,000 | 6,998,000 |
| Equity capital | 5,877,000 | 6,094,000 | 6,258,000 | 6,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,157,000 | 3,252,000 | 4,253,000 |
| Interest expense | 505,000 | 960,000 | 1,381,000 | 1,799,000 |
| Net interest income | 597,000 | 1,197,000 | 1,871,000 | 2,454,000 |
| Noninterest income | 33,000 | 73,000 | 164,000 | 168,000 |
| Noninterest expense | 337,000 | 671,000 | 994,000 | 1,548,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 125,000 |
| Pretax income | 293,000 | 599,000 | 916,000 | 949,000 |
| Income tax | 87,000 | 180,000 | 276,000 | 276,000 |
| Net income | 206,000 | 419,000 | 640,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,636,000 | 5,849,000 | 6,070,000 | 6,103,000 |
| Total capital | 6,254,000 | 6,488,000 | 6,708,000 | 6,767,000 |
| Risk-weighted assets | 49,168,000 | 50,975,000 | 50,739,000 | 52,840,000 |
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