Call reports 2003
FIRST CITIZENS STATE BANK — 2003
What FIRST CITIZENS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 125,368,000 | 125,727,000 | 125,604,000 | 128,920,000 |
| Total loans | 72,491,000 | 73,330,000 | 72,479,000 | 73,751,000 |
| Allowance for loan losses | 940,000 | 945,000 | 876,000 | 872,000 |
| Securities available for sale | 36,608,000 | 38,600,000 | 41,661,000 | 47,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,935,000 | 91,911,000 | 92,125,000 | 95,303,000 |
| Interest-bearing deposits | 75,777,000 | 78,726,000 | 79,496,000 | 82,307,000 |
| Noninterest-bearing deposits | 12,158,000 | 13,185,000 | 12,629,000 | 12,995,000 |
| Equity capital | 13,884,000 | 14,166,000 | 14,257,000 | 14,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,890,000 | 3,697,000 | 5,453,000 | 7,220,000 |
| Interest expense | 699,000 | 1,324,000 | 1,916,000 | 2,487,000 |
| Net interest income | 1,191,000 | 2,373,000 | 3,537,000 | 4,733,000 |
| Noninterest income | 188,000 | 355,000 | 577,000 | 880,000 |
| Noninterest expense | 741,000 | 1,476,000 | 2,172,000 | 2,831,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 510,000 |
| Pretax income | 518,000 | 1,012,000 | 1,704,000 | 2,394,000 |
| Income tax | 133,000 | 276,000 | 488,000 | 702,000 |
| Net income | 385,000 | 736,000 | 1,216,000 | 1,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,224,000 | 13,261,000 | 13,719,000 | 13,827,000 |
| Total capital | 14,164,000 | 14,206,000 | 14,595,000 | 14,699,000 |
| Risk-weighted assets | 80,085,000 | 81,596,000 | 84,765,000 | 87,043,000 |