Call reports 2004
FIRST CITIZENS NATIONAL BANK — 2004
What FIRST CITIZENS NATIONAL BANK 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 | 733,822,000 | 738,874,000 | 752,449,000 | 771,943,000 |
| Total loans | 506,443,000 | 518,699,000 | 530,151,000 | 535,494,000 |
| Allowance for loan losses | 6,344,000 | 6,538,000 | 6,343,000 | 6,222,000 |
| Securities available for sale | 154,801,000 | 146,849,000 | 148,907,000 | 146,352,000 |
| Securities held to maturity | 795,000 | 795,000 | 795,000 | 785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 563,857,000 | 548,167,000 | 562,645,000 | 592,403,000 |
| Interest-bearing deposits | 494,261,000 | 479,709,000 | 536,666,000 | 517,786,000 |
| Noninterest-bearing deposits | 69,596,000 | 68,458,000 | 25,979,000 | 74,617,000 |
| Equity capital | 72,126,000 | 70,688,000 | 73,320,000 | 73,798,000 |
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 | 9,394,000 | 18,985,000 | 28,749,000 | 38,897,000 |
| Interest expense | 3,027,000 | 6,035,000 | 9,230,000 | 12,780,000 |
| Net interest income | 6,367,000 | 12,950,000 | 19,519,000 | 26,117,000 |
| Noninterest income | 2,232,000 | 4,455,000 | 6,737,000 | 9,157,000 |
| Noninterest expense | 5,559,000 | 11,229,000 | 16,905,000 | 22,668,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 850,000 |
| Pretax income | 2,996,000 | 5,882,000 | 8,811,000 | 11,966,000 |
| Income tax | 906,000 | 1,703,000 | 2,575,000 | 3,501,000 |
| Net income | 2,090,000 | 4,179,000 | 6,236,000 | 8,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,909,000 | 58,044,000 | 59,304,000 | 60,274,000 |
| Total capital | 64,243,000 | 64,521,000 | 65,647,000 | 66,496,000 |
| Risk-weighted assets | 506,714,000 | 518,032,000 | 530,052,000 | 541,308,000 |