Call reports 2007
FIRST AND CITIZENS BANK — 2007
What FIRST AND CITIZENS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,402,000 | 99,234,000 | 99,407,000 | 102,671,000 |
| Total loans | 78,659,000 | 78,266,000 | 75,480,000 | 75,275,000 |
| Allowance for loan losses | 824,000 | 823,000 | 821,000 | 770,000 |
| Securities available for sale | 8,658,000 | 10,356,000 | 12,523,000 | 16,147,000 |
| Securities held to maturity | 13,000 | 12,000 | 612,000 | 612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,335,000 | 88,017,000 | 87,756,000 | 90,997,000 |
| Interest-bearing deposits | 79,879,000 | 76,800,000 | 76,617,000 | 79,375,000 |
| Noninterest-bearing deposits | 7,456,000 | 11,217,000 | 11,139,000 | 11,622,000 |
| Equity capital | 9,420,000 | 9,591,000 | 9,848,000 | 10,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,107,000 | 4,688,000 | 6,312,000 |
| Interest expense | 704,000 | 1,407,000 | 2,124,000 | 2,859,000 |
| Net interest income | 847,000 | 1,700,000 | 2,564,000 | 3,453,000 |
| Noninterest income | 67,000 | 119,000 | 189,000 | 274,000 |
| Noninterest expense | 617,000 | 1,209,000 | 1,846,000 | 2,528,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 297,000 | 610,000 | 907,000 | 1,199,000 |
| Income tax | 97,000 | 198,000 | 294,000 | 391,000 |
| Net income | 200,000 | 412,000 | 613,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,543,000 | 9,755,000 | 9,956,000 | 10,151,000 |
| Total capital | 10,325,000 | 10,544,000 | 10,718,000 | 10,920,000 |
| Risk-weighted assets | 62,506,000 | 63,067,000 | 60,927,000 | 61,507,000 |
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