Call reports 2004
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2004
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION 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 | 29,303,000 | 29,668,000 | 30,376,000 | 28,684,000 |
| Total loans | 23,211,000 | 23,372,000 | 24,125,000 | 24,148,000 |
| Allowance for loan losses | 230,000 | 225,000 | 209,000 | 211,000 |
| Securities available for sale | 806,000 | 693,000 | 704,000 | 500,000 |
| Securities held to maturity | 73,000 | 73,000 | 73,000 | 268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,394,000 | 26,710,000 | 27,295,000 | 25,724,000 |
| Interest-bearing deposits | 17,366,000 | 17,518,000 | 18,256,000 | 18,591,000 |
| Noninterest-bearing deposits | 9,028,000 | 9,192,000 | 9,039,000 | 7,133,000 |
| Equity capital | 2,687,000 | 2,783,000 | 2,886,000 | 2,746,000 |
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 | 503,000 | 998,000 | 1,495,000 | 1,993,000 |
| Interest expense | 58,000 | 122,000 | 182,000 | 250,000 |
| Net interest income | 445,000 | 876,000 | 1,313,000 | 1,743,000 |
| Noninterest income | 91,000 | 192,000 | 282,000 | 377,000 |
| Noninterest expense | 368,000 | 717,000 | 1,069,000 | 1,472,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 66,000 |
| Pretax income | 150,000 | 315,000 | 472,000 | 582,000 |
| Income tax | 55,000 | 114,000 | 174,000 | 227,000 |
| Net income | 95,000 | 201,000 | 298,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,682,000 | 2,788,000 | 2,885,000 | 2,748,000 |
| Total capital | 2,912,000 | 3,013,000 | 3,094,000 | 2,959,000 |
| Risk-weighted assets | 22,691,000 | 22,837,000 | 23,026,000 | 22,475,000 |