Call reports 2016
FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE — 2016
What FIRST CITIZENS NATIONAL BANK OF UPPER SANDUSKY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 247,334,000 | 242,115,000 | 241,246,000 | 247,221,000 |
| Total loans | 140,227,000 | 141,746,000 | 149,275,000 | 158,700,000 |
| Allowance for loan losses | 1,707,000 | 1,774,000 | 1,810,000 | 1,961,000 |
| Securities available for sale | 64,858,000 | 63,143,000 | 62,997,000 | 60,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,339,000 | 192,081,000 | 189,819,000 | 195,944,000 |
| Interest-bearing deposits | 133,285,000 | 135,249,000 | 131,272,000 | 133,122,000 |
| Noninterest-bearing deposits | 63,054,000 | 56,832,000 | 58,547,000 | 62,822,000 |
| Equity capital | 40,739,000 | 41,014,000 | 41,331,000 | 40,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,849,000 | 3,763,000 | 5,736,000 | 7,796,000 |
| Interest expense | 22,000 | 41,000 | 60,000 | 77,000 |
| Net interest income | 1,827,000 | 3,722,000 | 5,676,000 | 7,719,000 |
| Noninterest income | 338,000 | 697,000 | 1,066,000 | 1,415,000 |
| Noninterest expense | 1,752,000 | 3,518,000 | 5,160,000 | 7,226,000 |
| Provision for loan losses | -322,000 | -247,000 | -207,000 | -44,000 |
| Pretax income | 735,000 | 1,148,000 | 1,789,000 | 1,952,000 |
| Income tax | 187,000 | 263,000 | 416,000 | 408,000 |
| Net income | 548,000 | 885,000 | 1,373,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,215,000 | 40,382,000 | 40,700,000 | 40,697,000 |
| Total capital | 41,922,000 | 42,156,000 | 42,510,000 | 42,658,000 |
| Risk-weighted assets | 146,989,000 | 150,245,000 | 159,625,000 | 167,735,000 |