Call reports 2005
FIRST CITIZENS NATIONAL BANK — 2005
What FIRST CITIZENS NATIONAL BANK 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 | 775,223,000 | 787,330,000 | 798,359,000 | 815,041,000 |
| Total loans | 535,719,000 | 549,251,000 | 560,934,000 | 550,057,000 |
| Allowance for loan losses | 6,386,000 | 6,434,000 | 6,641,000 | 6,825,000 |
| Securities available for sale | 143,846,000 | 155,060,000 | 157,984,000 | 160,878,000 |
| Securities held to maturity | 785,000 | 290,000 | 290,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,396,000 | 603,377,000 | 606,369,000 | 635,543,000 |
| Interest-bearing deposits | 520,423,000 | 522,694,000 | 527,371,000 | 551,539,000 |
| Noninterest-bearing deposits | 74,973,000 | 80,683,000 | 78,998,000 | 84,004,000 |
| Equity capital | 73,748,000 | 75,615,000 | 76,353,000 | 75,834,000 |
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 | 10,229,000 | 21,102,000 | 32,601,000 | 44,507,000 |
| Interest expense | 3,711,000 | 7,795,000 | 12,203,000 | 16,900,000 |
| Net interest income | 6,518,000 | 13,307,000 | 20,398,000 | 27,607,000 |
| Noninterest income | 2,626,000 | 5,424,000 | 8,098,000 | 10,863,000 |
| Noninterest expense | 5,970,000 | 12,055,000 | 18,276,000 | 24,786,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 2,897,000 | 6,158,000 | 9,451,000 | 12,665,000 |
| Income tax | 689,000 | 1,497,000 | 2,434,000 | 3,392,000 |
| Net income | 2,208,000 | 4,661,000 | 7,017,000 | 9,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,328,000 | 62,438,000 | 63,956,000 | 64,091,000 |
| Total capital | 67,714,000 | 68,872,000 | 70,597,000 | 70,916,000 |
| Risk-weighted assets | 546,691,000 | 558,838,000 | 570,150,000 | 569,432,000 |