Call reports 2003
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2003
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,003,000 | 27,820,000 | 28,896,000 | 29,755,000 |
| Total loans | 21,094,000 | 22,057,000 | 21,705,000 | 22,348,000 |
| Allowance for loan losses | 173,000 | 176,000 | 189,000 | 193,000 |
| Securities available for sale | 820,000 | 416,000 | 612,000 | 809,000 |
| Securities held to maturity | 107,000 | 107,000 | 77,000 | 77,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,309,000 | 24,826,000 | 25,781,000 | 27,011,000 |
| Interest-bearing deposits | 17,324,000 | 16,869,000 | 16,646,000 | 17,110,000 |
| Noninterest-bearing deposits | 6,985,000 | 7,957,000 | 9,134,000 | 9,901,000 |
| Equity capital | 2,451,000 | 2,771,000 | 2,860,000 | 2,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 981,000 | 1,474,000 | 1,941,000 |
| Interest expense | 81,000 | 155,000 | 220,000 | 282,000 |
| Net interest income | 412,000 | 826,000 | 1,254,000 | 1,659,000 |
| Noninterest income | 88,000 | 411,000 | 498,000 | 583,000 |
| Noninterest expense | 341,000 | 692,000 | 1,051,000 | 1,645,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 103,000 |
| Pretax income | 141,000 | 509,000 | 647,000 | 494,000 |
| Income tax | 49,000 | 95,000 | 142,000 | 98,000 |
| Net income | 92,000 | 414,000 | 505,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,451,000 | 2,761,000 | 2,852,000 | 2,548,000 |
| Total capital | 2,624,000 | 2,937,000 | 3,041,000 | 2,741,000 |
| Risk-weighted assets | 20,235,000 | 20,564,000 | 20,181,000 | 21,045,000 |