Call reports 2008
FIRST CITIZENS STATE BANK — 2008
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 205,650,000 | 228,238,000 | 211,809,000 | 217,409,000 |
| Total loans | 157,798,000 | 163,659,000 | 162,091,000 | 162,051,000 |
| Allowance for loan losses | 2,079,000 | 2,090,000 | 1,714,000 | 1,703,000 |
| Securities available for sale | 704,000 | 693,000 | 690,000 | 690,000 |
| Securities held to maturity | 19,402,000 | 18,297,000 | 19,551,000 | 23,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,878,000 | 184,265,000 | 167,561,000 | 173,081,000 |
| Interest-bearing deposits | 136,963,000 | 156,654,000 | 143,111,000 | 146,902,000 |
| Noninterest-bearing deposits | 23,915,000 | 27,611,000 | 24,450,000 | 26,179,000 |
| Equity capital | 30,133,000 | 30,541,000 | 31,150,000 | 31,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,202,000 | 6,248,000 | 9,372,000 | 12,485,000 |
| Interest expense | 1,293,000 | 2,473,000 | 3,623,000 | 4,685,000 |
| Net interest income | 1,909,000 | 3,775,000 | 5,749,000 | 7,800,000 |
| Noninterest income | 539,000 | 1,116,000 | 1,650,000 | 2,205,000 |
| Noninterest expense | 1,545,000 | 3,087,000 | 4,776,000 | 6,365,000 |
| Provision for loan losses | 79,000 | 83,000 | 282,000 | 1,009,000 |
| Pretax income | 824,000 | 1,721,000 | 2,341,000 | 2,631,000 |
| Income tax | 215,000 | 446,000 | 458,000 | 183,000 |
| Net income | 609,000 | 1,275,000 | 1,883,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,120,000 | 30,538,000 | 31,144,000 | 31,460,000 |
| Total capital | 32,150,000 | 32,628,000 | 32,858,000 | 33,163,000 |
| Risk-weighted assets | 161,743,000 | 169,824,000 | 165,124,000 | 166,234,000 |