Call reports 2009
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2009
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,908,000 | 28,482,000 | 29,297,000 | 29,392,000 |
| Total loans | 24,862,000 | 23,664,000 | 22,030,000 | 20,370,000 |
| Allowance for loan losses | 600,000 | 589,000 | 564,000 | 665,000 |
| Securities available for sale | 787,000 | 486,000 | 693,000 | 688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,295,000 | 24,945,000 | 25,722,000 | 26,066,000 |
| Interest-bearing deposits | 18,910,000 | 18,517,000 | 19,429,000 | 19,295,000 |
| Noninterest-bearing deposits | 7,385,000 | 6,428,000 | 6,293,000 | 6,771,000 |
| Equity capital | 3,513,000 | 3,459,000 | 3,488,000 | 3,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 727,000 | 1,095,000 | 1,438,000 |
| Interest expense | 112,000 | 213,000 | 302,000 | 384,000 |
| Net interest income | 266,000 | 514,000 | 793,000 | 1,054,000 |
| Noninterest income | 68,000 | 166,000 | 260,000 | 361,000 |
| Noninterest expense | 331,000 | 689,000 | 1,037,000 | 1,368,000 |
| Provision for loan losses | 46,000 | 57,000 | 57,000 | 290,000 |
| Pretax income | -43,000 | -66,000 | -41,000 | -243,000 |
| Income tax | 17,000 | 6,000 | 6,000 | 6,000 |
| Net income | -60,000 | -72,000 | -47,000 | -249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,507,000 | 3,452,000 | 3,477,000 | 3,275,000 |
| Total capital | 3,813,000 | 3,759,000 | 3,787,000 | 3,577,000 |
| Risk-weighted assets | 24,118,000 | 23,501,000 | 23,902,000 | 23,027,000 |