Call reports 2006
FIRST CITIZENS STATE BANK — 2006
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,498,000 | 179,503,000 | 181,209,000 | 193,289,000 |
| Total loans | 136,067,000 | 136,359,000 | 133,459,000 | 137,353,000 |
| Allowance for loan losses | 2,575,000 | 2,412,000 | 2,342,000 | 2,409,000 |
| Securities available for sale | 46,000 | 2,424,000 | 2,695,000 | 2,696,000 |
| Securities held to maturity | 10,808,000 | 11,755,000 | 14,145,000 | 19,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,470,000 | 140,583,000 | 141,307,000 | 154,611,000 |
| Interest-bearing deposits | 121,592,000 | 117,066,000 | 119,451,000 | 131,949,000 |
| Noninterest-bearing deposits | 20,878,000 | 23,517,000 | 21,856,000 | 22,662,000 |
| Equity capital | 26,368,000 | 26,753,000 | 27,384,000 | 27,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,755,000 | 5,579,000 | 8,551,000 | 11,600,000 |
| Interest expense | 835,000 | 1,793,000 | 2,843,000 | 3,977,000 |
| Net interest income | 1,920,000 | 3,786,000 | 5,708,000 | 7,623,000 |
| Noninterest income | 589,000 | 1,187,000 | 1,729,000 | 2,190,000 |
| Noninterest expense | 1,656,000 | 3,202,000 | 4,735,000 | 6,030,000 |
| Provision for loan losses | 43,000 | 154,000 | 178,000 | 245,000 |
| Pretax income | 810,000 | 1,617,000 | 2,524,000 | 3,538,000 |
| Income tax | 187,000 | 348,000 | 641,000 | 880,000 |
| Net income | 623,000 | 1,269,000 | 1,883,000 | 2,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,317,000 | 26,714,000 | 27,335,000 | 27,856,000 |
| Total capital | 28,022,000 | 28,427,000 | 29,027,000 | 29,626,000 |
| Risk-weighted assets | 134,745,000 | 135,564,000 | 134,466,000 | 140,198,000 |