Call reports 2004
FIRST CITIZENS STATE BANK — 2004
What FIRST CITIZENS STATE 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 | 167,186,000 | 169,117,000 | 173,263,000 | 185,004,000 |
| Total loans | 130,415,000 | 133,457,000 | 140,675,000 | 139,790,000 |
| Allowance for loan losses | 1,467,000 | 1,528,000 | 1,495,000 | 2,446,000 |
| Securities available for sale | 503,000 | 482,000 | 500,000 | 500,000 |
| Securities held to maturity | 11,914,000 | 11,596,000 | 12,116,000 | 11,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,141,000 | 134,651,000 | 135,840,000 | 150,119,000 |
| Interest-bearing deposits | 113,674,000 | 111,439,000 | 112,071,000 | 124,955,000 |
| Noninterest-bearing deposits | 20,467,000 | 23,212,000 | 23,769,000 | 25,164,000 |
| Equity capital | 23,551,000 | 23,936,000 | 24,573,000 | 23,964,000 |
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 | 2,418,000 | 4,793,000 | 7,290,000 | 9,823,000 |
| Interest expense | 538,000 | 1,040,000 | 1,559,000 | 2,111,000 |
| Net interest income | 1,880,000 | 3,753,000 | 5,731,000 | 7,712,000 |
| Noninterest income | 604,000 | 1,206,000 | 1,754,000 | 2,366,000 |
| Noninterest expense | 1,426,000 | 2,830,000 | 4,267,000 | 5,797,000 |
| Provision for loan losses | 100,000 | 180,000 | 260,000 | 1,373,000 |
| Pretax income | 958,000 | 1,949,000 | 2,958,000 | 2,908,000 |
| Income tax | 330,000 | 676,000 | 1,056,000 | 1,365,000 |
| Net income | 628,000 | 1,273,000 | 1,902,000 | 1,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,551,000 | 23,872,000 | 24,503,000 | 23,896,000 |
| Total capital | 25,018,000 | 25,400,000 | 25,998,000 | 25,644,000 |
| Risk-weighted assets | 124,478,000 | 127,290,000 | 133,412,000 | 139,139,000 |