Call reports 2004
FIRST AND CITIZENS BANK — 2004
What FIRST AND CITIZENS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,280,000 | 84,824,000 | 88,006,000 | 90,943,000 |
| Total loans | 59,896,000 | 62,546,000 | 66,990,000 | 72,150,000 |
| Allowance for loan losses | 904,000 | 869,000 | 847,000 | 683,000 |
| Securities available for sale | 14,440,000 | 14,004,000 | 13,796,000 | 12,977,000 |
| Securities held to maturity | 31,000 | 28,000 | 26,000 | 23,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,268,000 | 76,685,000 | 79,554,000 | 82,363,000 |
| Interest-bearing deposits | 66,100,000 | 65,294,000 | 67,458,000 | 70,938,000 |
| Noninterest-bearing deposits | 8,168,000 | 11,391,000 | 12,096,000 | 11,425,000 |
| Equity capital | 7,027,000 | 7,063,000 | 7,306,000 | 8,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,082,000 | 2,192,000 | 3,334,000 | 4,544,000 |
| Interest expense | 411,000 | 811,000 | 1,203,000 | 1,599,000 |
| Net interest income | 671,000 | 1,381,000 | 2,131,000 | 2,945,000 |
| Noninterest income | 38,000 | 83,000 | 124,000 | 195,000 |
| Noninterest expense | 543,000 | 995,000 | 1,543,000 | 2,102,000 |
| Provision for loan losses | 0 | 0 | 0 | 81,000 |
| Pretax income | 166,000 | 469,000 | 712,000 | 957,000 |
| Income tax | 46,000 | 141,000 | 215,000 | 287,000 |
| Net income | 120,000 | 328,000 | 497,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,837,000 | 7,045,000 | 7,214,000 | 8,093,000 |
| Total capital | 7,519,000 | 7,759,000 | 7,962,000 | 8,776,000 |
| Risk-weighted assets | 54,324,000 | 56,951,000 | 59,774,000 | 63,169,000 |
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