Call reports 2005
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2005
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION 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 | 29,039,000 | 28,780,000 | 30,169,000 | 28,817,000 |
| Total loans | 23,043,000 | 23,816,000 | 24,597,000 | 23,949,000 |
| Allowance for loan losses | 222,000 | 204,000 | 230,000 | 228,000 |
| Securities available for sale | 687,000 | 799,000 | 793,000 | 792,000 |
| Securities held to maturity | 268,000 | 268,000 | 268,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,943,000 | 25,446,000 | 26,834,000 | 25,575,000 |
| Interest-bearing deposits | 19,071,000 | 19,057,000 | 19,665,000 | 18,620,000 |
| Noninterest-bearing deposits | 6,872,000 | 6,389,000 | 7,169,000 | 6,955,000 |
| Equity capital | 2,835,000 | 2,927,000 | 3,016,000 | 3,002,000 |
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 | 493,000 | 1,002,000 | 1,520,000 | 2,052,000 |
| Interest expense | 70,000 | 147,000 | 234,000 | 327,000 |
| Net interest income | 423,000 | 855,000 | 1,286,000 | 1,725,000 |
| Noninterest income | 103,000 | 198,000 | 303,000 | 394,000 |
| Noninterest expense | 355,000 | 724,000 | 1,094,000 | 1,465,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 153,000 | 293,000 | 441,000 | 582,000 |
| Income tax | 58,000 | 112,000 | 167,000 | 221,000 |
| Net income | 95,000 | 181,000 | 274,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,843,000 | 2,929,000 | 3,022,000 | 3,008,000 |
| Total capital | 3,065,000 | 3,133,000 | 3,252,000 | 3,236,000 |
| Risk-weighted assets | 21,754,000 | 21,999,000 | 23,256,000 | 21,669,000 |