Call reports 2016
FIRST CITIZENS STATE BANK — 2016
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 300,504,000 | 292,293,000 | 292,573,000 | 315,246,000 |
| Total loans | 162,686,000 | 165,278,000 | 169,378,000 | 166,450,000 |
| Allowance for loan losses | 2,063,000 | 2,063,000 | 1,879,000 | 2,034,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 93,760,000 | 94,268,000 | 88,263,000 | 98,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,878,000 | 231,995,000 | 231,687,000 | 253,213,000 |
| Interest-bearing deposits | 194,518,000 | 185,024,000 | 183,211,000 | 203,687,000 |
| Noninterest-bearing deposits | 45,360,000 | 46,971,000 | 48,476,000 | 49,526,000 |
| Equity capital | 54,228,000 | 54,607,000 | 55,337,000 | 55,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,209,000 | 4,566,000 | 6,947,000 | 9,293,000 |
| Interest expense | 195,000 | 408,000 | 623,000 | 836,000 |
| Net interest income | 2,014,000 | 4,158,000 | 6,324,000 | 8,457,000 |
| Noninterest income | 591,000 | 1,277,000 | 2,010,000 | 2,760,000 |
| Noninterest expense | 1,649,000 | 3,459,000 | 5,320,000 | 7,091,000 |
| Provision for loan losses | 0 | 7,000 | 12,000 | -165,000 |
| Pretax income | 956,000 | 1,969,000 | 3,002,000 | 4,291,000 |
| Income tax | 284,000 | 568,000 | 872,000 | 1,278,000 |
| Net income | 672,000 | 1,401,000 | 2,130,000 | 3,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,228,000 | 54,607,000 | 55,337,000 | 55,870,000 |
| Total capital | 56,291,000 | 56,670,000 | 57,216,000 | 57,904,000 |
| Risk-weighted assets | 194,816,000 | 195,939,000 | 196,473,000 | 203,230,000 |