Call reports 2015
FIRST CITIZENS STATE BANK — 2015
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 247,658,000 | 243,219,000 | 247,990,000 | 268,383,000 |
| Total loans | 147,530,000 | 149,244,000 | 149,038,000 | 149,054,000 |
| Allowance for loan losses | 2,331,000 | 2,330,000 | 2,342,000 | 1,900,000 |
| Securities available for sale | 6,159,000 | 4,725,000 | 4,328,000 | 4,332,000 |
| Securities held to maturity | 69,043,000 | 65,042,000 | 67,611,000 | 68,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,415,000 | 192,724,000 | 196,943,000 | 216,733,000 |
| Interest-bearing deposits | 159,362,000 | 153,491,000 | 155,382,000 | 176,555,000 |
| Noninterest-bearing deposits | 38,053,000 | 39,233,000 | 41,561,000 | 40,178,000 |
| Equity capital | 44,828,000 | 45,255,000 | 45,929,000 | 46,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,300,000 | 6,449,000 | 8,550,000 |
| Interest expense | 184,000 | 363,000 | 542,000 | 725,000 |
| Net interest income | 1,972,000 | 3,937,000 | 5,907,000 | 7,825,000 |
| Noninterest income | 524,000 | 1,048,000 | 1,657,000 | 2,284,000 |
| Noninterest expense | 1,541,000 | 3,046,000 | 4,656,000 | 6,075,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 2,000 |
| Pretax income | 955,000 | 1,937,000 | 2,906,000 | 4,032,000 |
| Income tax | 304,000 | 604,000 | 904,000 | 1,195,000 |
| Net income | 651,000 | 1,333,000 | 2,002,000 | 2,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,828,000 | 45,255,000 | 45,929,000 | 46,513,000 |
| Total capital | 46,812,000 | 47,251,000 | 47,942,000 | 48,379,000 |
| Risk-weighted assets | 158,332,000 | 159,320,000 | 160,728,000 | 149,290,000 |