Call reports 2006
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2006
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,001,000 | 31,125,000 | 32,219,000 | 31,397,000 |
| Total loans | 24,378,000 | 24,749,000 | 25,988,000 | 26,042,000 |
| Allowance for loan losses | 245,000 | 256,000 | 262,000 | 271,000 |
| Securities available for sale | 791,000 | 942,000 | 1,071,000 | 1,069,000 |
| Securities held to maturity | 200,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,633,000 | 27,699,000 | 28,640,000 | 27,899,000 |
| Interest-bearing deposits | 18,244,000 | 19,584,000 | 21,019,000 | 20,743,000 |
| Noninterest-bearing deposits | 7,389,000 | 8,115,000 | 7,621,000 | 7,156,000 |
| Equity capital | 3,108,000 | 3,210,000 | 3,341,000 | 3,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,095,000 | 1,711,000 | 2,355,000 |
| Interest expense | 90,000 | 194,000 | 324,000 | 472,000 |
| Net interest income | 455,000 | 901,000 | 1,387,000 | 1,883,000 |
| Noninterest income | 88,000 | 195,000 | 275,000 | 351,000 |
| Noninterest expense | 353,000 | 717,000 | 1,072,000 | 1,491,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 172,000 | 343,000 | 536,000 | 671,000 |
| Income tax | 66,000 | 130,000 | 204,000 | 256,000 |
| Net income | 106,000 | 213,000 | 332,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,114,000 | 3,221,000 | 3,341,000 | 3,258,000 |
| Total capital | 3,359,000 | 3,477,000 | 3,603,000 | 3,529,000 |
| Risk-weighted assets | 23,361,000 | 24,145,000 | 25,281,000 | 23,878,000 |