Call reports 2003
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2003
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE 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 | 227,979,000 | 223,969,000 | 220,998,000 | 215,267,000 |
| Total loans | 127,777,000 | 129,003,000 | 131,702,000 | 133,475,000 |
| Allowance for loan losses | 1,735,000 | 1,761,000 | 1,797,000 | 1,860,000 |
| Securities available for sale | 64,170,000 | 65,707,000 | 63,805,000 | 62,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,068,000 | 182,242,000 | 182,006,000 | 174,832,000 |
| Interest-bearing deposits | 170,186,000 | 164,269,000 | 163,696,000 | 154,627,000 |
| Noninterest-bearing deposits | 17,882,000 | 17,973,000 | 18,310,000 | 20,205,000 |
| Equity capital | 33,160,000 | 34,053,000 | 34,100,000 | 34,151,000 |
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 | 2,998,000 | 5,987,000 | 8,871,000 | 11,674,000 |
| Interest expense | 1,079,000 | 1,974,000 | 2,754,000 | 3,452,000 |
| Net interest income | 1,919,000 | 4,013,000 | 6,117,000 | 8,222,000 |
| Noninterest income | 147,000 | 332,000 | 521,000 | 735,000 |
| Noninterest expense | 1,479,000 | 2,862,000 | 4,222,000 | 5,660,000 |
| Provision for loan losses | 62,000 | 125,000 | 188,000 | 250,000 |
| Pretax income | 525,000 | 1,358,000 | 2,228,000 | 3,047,000 |
| Income tax | 124,000 | 338,000 | 582,000 | 776,000 |
| Net income | 401,000 | 1,020,000 | 1,646,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,122,000 | 30,581,000 | 31,047,000 | 31,511,000 |
| Total capital | 31,815,000 | 32,252,000 | 32,715,000 | 33,153,000 |
| Risk-weighted assets | 135,389,000 | 133,617,000 | 133,348,000 | 131,119,000 |