Call reports 2005
FIRST CITIZENS STATE BANK — 2005
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 175,871,000 | 176,574,000 | 177,401,000 | 186,693,000 |
| Total loans | 146,048,000 | 147,884,000 | 141,421,000 | 140,307,000 |
| Allowance for loan losses | 1,487,000 | 2,601,000 | 2,730,000 | 2,688,000 |
| Securities available for sale | 563,000 | 562,000 | 551,000 | 52,000 |
| Securities held to maturity | 7,348,000 | 5,249,000 | 4,285,000 | 8,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,014,000 | 139,693,000 | 139,837,000 | 149,651,000 |
| Interest-bearing deposits | 118,317,000 | 116,268,000 | 115,966,000 | 123,654,000 |
| Noninterest-bearing deposits | 20,697,000 | 23,425,000 | 23,871,000 | 25,997,000 |
| Equity capital | 25,638,000 | 25,239,000 | 25,870,000 | 26,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,577,000 | 5,277,000 | 8,046,000 | 10,844,000 |
| Interest expense | 608,000 | 1,235,000 | 1,941,000 | 2,698,000 |
| Net interest income | 1,969,000 | 4,042,000 | 6,105,000 | 8,146,000 |
| Noninterest income | 702,000 | 1,294,000 | 1,860,000 | 2,520,000 |
| Noninterest expense | 1,925,000 | 3,497,000 | 4,989,000 | 6,463,000 |
| Provision for loan losses | 220,000 | 399,000 | 548,000 | 685,000 |
| Pretax income | 526,000 | 1,440,000 | 2,428,000 | 3,518,000 |
| Income tax | -103,000 | 164,000 | 521,000 | 874,000 |
| Net income | 629,000 | 1,276,000 | 1,907,000 | 2,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,572,000 | 25,176,000 | 25,809,000 | 26,298,000 |
| Total capital | 27,058,000 | 26,959,000 | 27,536,000 | 28,010,000 |
| Risk-weighted assets | 140,541,000 | 141,857,000 | 137,300,000 | 140,063,000 |