Call reports 2015
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2015
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 232,427,000 | 227,353,000 | 230,027,000 | 230,081,000 |
| Total loans | 123,914,000 | 129,216,000 | 132,406,000 | 140,574,000 |
| Allowance for loan losses | 1,459,000 | 1,555,000 | 1,665,000 | 2,135,000 |
| Securities available for sale | 62,129,000 | 65,569,000 | 65,786,000 | 63,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,623,000 | 176,701,000 | 181,228,000 | 182,162,000 |
| Interest-bearing deposits | 130,020,000 | 130,296,000 | 131,764,000 | 128,451,000 |
| Noninterest-bearing deposits | 50,603,000 | 46,405,000 | 49,464,000 | 53,711,000 |
| Equity capital | 39,894,000 | 39,614,000 | 40,076,000 | 40,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,652,000 | 3,387,000 | 5,167,000 | 7,053,000 |
| Interest expense | 20,000 | 38,000 | 57,000 | 79,000 |
| Net interest income | 1,632,000 | 3,349,000 | 5,110,000 | 6,974,000 |
| Noninterest income | 315,000 | 679,000 | 1,046,000 | 1,391,000 |
| Noninterest expense | 1,795,000 | 3,500,000 | 5,111,000 | 6,911,000 |
| Provision for loan losses | 0 | 100,000 | 245,000 | 669,000 |
| Pretax income | 152,000 | 428,000 | 800,000 | 785,000 |
| Income tax | 0 | 12,000 | 68,000 | 0 |
| Net income | 152,000 | 416,000 | 732,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,715,000 | 39,808,000 | 39,954,000 | 39,837,000 |
| Total capital | 41,174,000 | 41,363,000 | 41,619,000 | 41,694,000 |
| Risk-weighted assets | 127,258,000 | 139,413,000 | 141,958,000 | 148,319,000 |