Call reports 2005
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2005
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 223,155,000 | 221,007,000 | 222,078,000 | 221,980,000 |
| Total loans | 143,899,000 | 144,371,000 | 147,668,000 | 145,771,000 |
| Allowance for loan losses | 1,868,000 | 1,837,000 | 1,792,000 | 1,787,000 |
| Securities available for sale | 59,361,000 | 55,599,000 | 53,199,000 | 54,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,398,000 | 183,043,000 | 184,510,000 | 184,277,000 |
| Interest-bearing deposits | 165,180,000 | 161,210,000 | 164,161,000 | 160,233,000 |
| Noninterest-bearing deposits | 19,218,000 | 21,833,000 | 20,349,000 | 24,044,000 |
| Equity capital | 34,483,000 | 34,692,000 | 34,512,000 | 34,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,696,000 | 5,448,000 | 8,230,000 | 11,081,000 |
| Interest expense | 754,000 | 1,559,000 | 2,408,000 | 3,364,000 |
| Net interest income | 1,942,000 | 3,889,000 | 5,822,000 | 7,717,000 |
| Noninterest income | 213,000 | 518,000 | 784,000 | 1,055,000 |
| Noninterest expense | 1,727,000 | 3,307,000 | 4,963,000 | 6,602,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 428,000 | 1,010,000 | 1,656,000 | 2,183,000 |
| Income tax | 89,000 | 225,000 | 382,000 | 527,000 |
| Net income | 339,000 | 785,000 | 1,274,000 | 1,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,061,000 | 33,340,000 | 33,663,000 | 33,878,000 |
| Total capital | 34,856,000 | 35,110,000 | 35,455,000 | 35,656,000 |
| Risk-weighted assets | 143,508,000 | 141,543,000 | 143,628,000 | 142,210,000 |