Call reports 2003
FIRST CITIZENS COMMUNITY BANK — 2003
What FIRST CITIZENS COMMUNITY 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 | 447,032,000 | 446,401,000 | 445,782,000 | 463,572,000 |
| Total loans | 304,342,000 | 302,957,000 | 314,098,000 | 317,657,000 |
| Allowance for loan losses | 3,657,000 | 3,769,000 | 3,587,000 | 3,620,000 |
| Securities available for sale | 108,247,000 | 96,246,000 | 91,822,000 | 106,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,536,000 | 392,031,000 | 386,341,000 | 393,371,000 |
| Interest-bearing deposits | 339,908,000 | 347,403,000 | 341,924,000 | 338,872,000 |
| Noninterest-bearing deposits | 41,629,000 | 44,628,000 | 44,417,000 | 54,499,000 |
| Equity capital | 38,739,000 | 39,308,000 | 39,108,000 | 39,241,000 |
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 | 6,519,000 | 12,919,000 | 19,248,000 | 25,612,000 |
| Interest expense | 2,307,000 | 4,572,000 | 6,719,000 | 8,798,000 |
| Net interest income | 4,212,000 | 8,347,000 | 12,529,000 | 16,814,000 |
| Noninterest income | 1,094,000 | 2,364,000 | 3,577,000 | 4,760,000 |
| Noninterest expense | 3,559,000 | 7,153,000 | 11,605,000 | 15,317,000 |
| Provision for loan losses | 135,000 | 255,000 | 375,000 | 435,000 |
| Pretax income | 1,788,000 | 3,553,000 | 4,490,000 | 6,225,000 |
| Income tax | 426,000 | 829,000 | 942,000 | 1,313,000 |
| Net income | 1,362,000 | 2,724,000 | 3,548,000 | 4,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,393,000 | 29,332,000 | 29,732,000 | 30,255,000 |
| Total capital | 31,902,000 | 32,824,000 | 33,291,000 | 33,864,000 |
| Risk-weighted assets | 275,070,000 | 279,084,000 | 284,639,000 | 288,662,000 |
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