Call reports 2008
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2008
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 219,082,000 | 215,265,000 | 209,115,000 | 212,157,000 |
| Total loans | 133,890,000 | 137,163,000 | 138,421,000 | 140,745,000 |
| Allowance for loan losses | 1,765,000 | 1,756,000 | 1,749,000 | 2,312,000 |
| Securities available for sale | 48,247,000 | 47,487,000 | 49,753,000 | 48,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,807,000 | 171,795,000 | 166,165,000 | 167,542,000 |
| Interest-bearing deposits | 150,254,000 | 148,786,000 | 143,753,000 | 143,628,000 |
| Noninterest-bearing deposits | 23,553,000 | 23,009,000 | 22,412,000 | 23,914,000 |
| Equity capital | 36,416,000 | 36,278,000 | 36,438,000 | 37,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,030,000 | 5,804,000 | 8,516,000 | 11,274,000 |
| Interest expense | 1,032,000 | 1,884,000 | 2,639,000 | 3,280,000 |
| Net interest income | 1,998,000 | 3,920,000 | 5,877,000 | 7,994,000 |
| Noninterest income | 257,000 | 558,000 | 861,000 | 1,180,000 |
| Noninterest expense | 1,786,000 | 3,396,000 | 5,103,000 | 6,734,000 |
| Provision for loan losses | 25,000 | 50,000 | 100,000 | 717,000 |
| Pretax income | 512,000 | 1,100,000 | 1,603,000 | 1,783,000 |
| Income tax | 117,000 | 233,000 | 330,000 | 316,000 |
| Net income | 395,000 | 867,000 | 1,273,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,808,000 | 36,114,000 | 36,349,000 | 36,373,000 |
| Total capital | 37,446,000 | 37,762,000 | 37,995,000 | 38,037,000 |
| Risk-weighted assets | 130,938,000 | 131,749,000 | 131,569,000 | 132,490,000 |