Call reports 2004
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2004
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 217,714,000 | 215,301,000 | 223,043,000 | 223,558,000 |
| Total loans | 133,126,000 | 140,971,000 | 143,063,000 | 142,869,000 |
| Allowance for loan losses | 1,873,000 | 1,869,000 | 1,870,000 | 1,880,000 |
| Securities available for sale | 59,577,000 | 59,220,000 | 60,384,000 | 59,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,776,000 | 174,377,000 | 182,715,000 | 183,700,000 |
| Interest-bearing deposits | 157,974,000 | 155,526,000 | 163,328,000 | 161,090,000 |
| Noninterest-bearing deposits | 19,802,000 | 18,851,000 | 19,387,000 | 22,610,000 |
| Equity capital | 34,765,000 | 34,069,000 | 34,692,000 | 34,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,681,000 | 5,358,000 | 8,084,000 | 10,822,000 |
| Interest expense | 648,000 | 1,287,000 | 2,005,000 | 2,744,000 |
| Net interest income | 2,033,000 | 4,071,000 | 6,079,000 | 8,078,000 |
| Noninterest income | 191,000 | 601,000 | 835,000 | 1,131,000 |
| Noninterest expense | 1,623,000 | 3,135,000 | 4,671,000 | 6,317,000 |
| Provision for loan losses | 20,000 | 60,000 | 150,000 | 160,000 |
| Pretax income | 581,000 | 1,477,000 | 2,093,000 | 2,732,000 |
| Income tax | 144,000 | 403,000 | 551,000 | 700,000 |
| Net income | 437,000 | 1,074,000 | 1,542,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,788,000 | 32,265,000 | 32,565,000 | 32,889,000 |
| Total capital | 33,476,000 | 34,019,000 | 34,360,000 | 34,671,000 |
| Risk-weighted assets | 134,860,000 | 140,239,000 | 143,553,000 | 142,468,000 |