Call reports 2012
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION — 2012
What FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 23,781,000 | 23,831,000 | 23,975,000 | 23,560,000 |
| Total loans | 15,660,000 | 15,435,000 | 16,088,000 | 14,548,000 |
| Allowance for loan losses | 648,000 | 614,000 | 569,000 | 426,000 |
| Securities available for sale | 927,000 | 926,000 | 976,000 | 1,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,828,000 | 21,104,000 | 21,316,000 | 20,977,000 |
| Interest-bearing deposits | 13,865,000 | 14,988,000 | 14,563,000 | 14,663,000 |
| Noninterest-bearing deposits | 6,963,000 | 6,116,000 | 6,753,000 | 6,314,000 |
| Equity capital | 2,945,000 | 2,676,000 | 2,613,000 | 2,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 186,000 | 397,000 | 598,000 | 796,000 |
| Interest expense | 18,000 | 37,000 | 53,000 | 68,000 |
| Net interest income | 168,000 | 360,000 | 545,000 | 728,000 |
| Noninterest income | 71,000 | -19,000 | 23,000 | 8,000 |
| Noninterest expense | 318,000 | 630,000 | 919,000 | 1,264,000 |
| Provision for loan losses | 0 | 106,000 | 106,000 | 256,000 |
| Pretax income | -79,000 | -395,000 | -457,000 | -784,000 |
| Income tax | 0 | -46,000 | -46,000 | -303,000 |
| Net income | -79,000 | -349,000 | -411,000 | -481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,865,000 | 2,518,000 | 2,458,000 | 2,123,000 |
| Total capital | 3,096,000 | 2,737,000 | 2,654,000 | 2,326,000 |
| Risk-weighted assets | 17,312,000 | 16,310,000 | 15,292,000 | 15,259,000 |