Call reports 2003
FIRST CITIZENS STATE BANK — 2003
What FIRST CITIZENS STATE 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 | 158,383,000 | 166,419,000 | 168,516,000 | 179,884,000 |
| Total loans | 112,001,000 | 114,933,000 | 119,705,000 | 130,628,000 |
| Allowance for loan losses | 1,169,000 | 1,305,000 | 1,350,000 | 1,399,000 |
| Securities available for sale | 0 | 0 | 0 | 496,000 |
| Securities held to maturity | 14,880,000 | 13,951,000 | 10,593,000 | 9,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,748,000 | 133,195,000 | 135,427,000 | 144,773,000 |
| Interest-bearing deposits | 108,987,000 | 112,557,000 | 114,802,000 | 119,776,000 |
| Noninterest-bearing deposits | 17,761,000 | 20,638,000 | 20,625,000 | 24,997,000 |
| Equity capital | 21,508,000 | 21,881,000 | 22,551,000 | 22,921,000 |
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 | 2,355,000 | 4,656,000 | 7,015,000 | 9,433,000 |
| Interest expense | 691,000 | 1,342,000 | 1,952,000 | 2,529,000 |
| Net interest income | 1,664,000 | 3,314,000 | 5,063,000 | 6,904,000 |
| Noninterest income | 800,000 | 1,583,000 | 2,386,000 | 2,987,000 |
| Noninterest expense | 1,315,000 | 2,574,000 | 3,991,000 | 5,321,000 |
| Provision for loan losses | 232,000 | 352,000 | 467,000 | 547,000 |
| Pretax income | 917,000 | 1,971,000 | 2,991,000 | 4,023,000 |
| Income tax | 292,000 | 723,000 | 1,073,000 | 1,485,000 |
| Net income | 625,000 | 1,248,000 | 1,918,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,427,000 | 21,802,000 | 22,474,000 | 22,845,000 |
| Total capital | 22,596,000 | 23,107,000 | 23,824,000 | 24,244,000 |
| Risk-weighted assets | 116,801,000 | 120,472,000 | 121,176,000 | 129,589,000 |