Call reports 2007
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2007
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,751,000 | 34,219,000 | 37,864,000 | 37,046,000 |
| Total loans | 28,346,000 | 30,868,000 | 33,588,000 | 32,379,000 |
| Allowance for loan losses | 287,000 | 294,000 | 304,000 | 299,000 |
| Securities available for sale | 1,071,000 | 1,065,000 | 973,000 | 980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,118,000 | 30,528,000 | 33,768,000 | 33,237,000 |
| Interest-bearing deposits | 21,290,000 | 23,101,000 | 26,152,000 | 25,782,000 |
| Noninterest-bearing deposits | 7,828,000 | 7,426,000 | 7,616,000 | 7,455,000 |
| Equity capital | 3,361,000 | 3,469,000 | 3,614,000 | 3,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,322,000 | 2,073,000 | 2,800,000 |
| Interest expense | 156,000 | 325,000 | 544,000 | 778,000 |
| Net interest income | 490,000 | 997,000 | 1,529,000 | 2,022,000 |
| Noninterest income | 81,000 | 177,000 | 245,000 | 327,000 |
| Noninterest expense | 385,000 | 783,000 | 1,147,000 | 1,547,000 |
| Provision for loan losses | 18,000 | 37,000 | 54,000 | 72,000 |
| Pretax income | 168,000 | 354,000 | 573,000 | 730,000 |
| Income tax | 65,000 | 137,000 | 218,000 | 277,000 |
| Net income | 103,000 | 217,000 | 355,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,361,000 | 3,469,000 | 3,614,000 | 3,559,000 |
| Total capital | 3,648,000 | 3,763,000 | 3,918,000 | 3,858,000 |
| Risk-weighted assets | 26,632,000 | 29,372,000 | 31,805,000 | 31,154,000 |