Call reports 2004
FIRST CITIZENS COMMUNITY BANK — 2004
What FIRST CITIZENS COMMUNITY 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 | 468,525,000 | 494,391,000 | 497,043,000 | 498,850,000 |
| Total loans | 317,423,000 | 350,797,000 | 353,490,000 | 359,693,000 |
| Allowance for loan losses | 3,874,000 | 4,129,000 | 4,109,000 | 3,919,000 |
| Securities available for sale | 109,618,000 | 98,507,000 | 100,996,000 | 95,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,578,000 | 422,456,000 | 416,540,000 | 426,623,000 |
| Interest-bearing deposits | 342,698,000 | 367,754,000 | 366,593,000 | 372,208,000 |
| Noninterest-bearing deposits | 51,880,000 | 54,702,000 | 49,947,000 | 54,415,000 |
| Equity capital | 39,798,000 | 38,349,000 | 40,036,000 | 40,317,000 |
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 | 6,392,000 | 12,823,000 | 19,679,000 | 26,606,000 |
| Interest expense | 2,097,000 | 4,228,000 | 6,522,000 | 8,900,000 |
| Net interest income | 4,295,000 | 8,595,000 | 13,157,000 | 17,706,000 |
| Noninterest income | 1,107,000 | 2,280,000 | 3,432,000 | 4,527,000 |
| Noninterest expense | 3,604,000 | 7,219,000 | 10,964,000 | 14,702,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,085,000 | 4,147,000 | 6,116,000 | 7,297,000 |
| Income tax | 496,000 | 996,000 | 1,459,000 | 1,653,000 |
| Net income | 1,589,000 | 3,151,000 | 4,657,000 | 5,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,837,000 | 28,697,000 | 29,618,000 | 30,265,000 |
| Total capital | 34,479,000 | 32,677,000 | 33,635,000 | 34,184,000 |
| Risk-weighted assets | 290,978,000 | 317,884,000 | 321,027,000 | 327,389,000 |
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