Call reports 2007
FIRST CITIZENS STATE BANK — 2007
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 189,775,000 | 189,087,000 | 194,468,000 | 204,139,000 |
| Total loans | 136,977,000 | 135,572,000 | 143,935,000 | 150,503,000 |
| Allowance for loan losses | 2,415,000 | 2,234,000 | 2,232,000 | 2,176,000 |
| Securities available for sale | 694,000 | 934,000 | 934,000 | 944,000 |
| Securities held to maturity | 20,333,000 | 21,630,000 | 21,743,000 | 24,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,539,000 | 149,218,000 | 154,930,000 | 160,836,000 |
| Interest-bearing deposits | 128,772,000 | 128,407,000 | 130,288,000 | 138,053,000 |
| Noninterest-bearing deposits | 21,767,000 | 20,811,000 | 24,642,000 | 22,783,000 |
| Equity capital | 28,501,000 | 28,777,000 | 29,365,000 | 29,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,107,000 | 6,222,000 | 9,402,000 | 12,587,000 |
| Interest expense | 1,225,000 | 2,450,000 | 3,719,000 | 4,981,000 |
| Net interest income | 1,882,000 | 3,772,000 | 5,683,000 | 7,606,000 |
| Noninterest income | 492,000 | 1,041,000 | 1,503,000 | 2,075,000 |
| Noninterest expense | 1,563,000 | 3,133,000 | 4,652,000 | 6,228,000 |
| Provision for loan losses | 4,000 | 59,000 | 61,000 | 65,000 |
| Pretax income | 807,000 | 1,621,000 | 2,473,000 | 3,388,000 |
| Income tax | 156,000 | 438,000 | 701,000 | 958,000 |
| Net income | 651,000 | 1,183,000 | 1,772,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,511,000 | 28,795,000 | 29,375,000 | 29,783,000 |
| Total capital | 30,265,000 | 30,557,000 | 31,229,000 | 31,722,000 |
| Risk-weighted assets | 139,648,000 | 140,499,000 | 148,278,000 | 156,513,000 |