Call reports 2003
JACKSON COUNTY BANK — 2003
What JACKSON COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 303,115,000 | 317,609,000 | 317,595,000 | 316,933,000 |
| Total loans | 218,222,000 | 227,870,000 | 231,146,000 | 226,267,000 |
| Allowance for loan losses | 2,809,000 | 2,729,000 | 2,819,000 | 2,551,000 |
| Securities available for sale | 32,842,000 | 39,906,000 | 41,659,000 | 70,445,000 |
| Securities held to maturity | 26,099,000 | 26,148,000 | 26,278,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,278,000 | 261,484,000 | 258,112,000 | 262,649,000 |
| Interest-bearing deposits | 220,511,000 | 221,291,000 | 223,522,000 | 223,473,000 |
| Noninterest-bearing deposits | 34,767,000 | 40,193,000 | 34,590,000 | 39,176,000 |
| Equity capital | 28,458,000 | 28,601,000 | 29,476,000 | 30,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,336,000 | 8,571,000 | 12,869,000 | 16,858,000 |
| Interest expense | 1,515,000 | 2,979,000 | 4,359,000 | 5,662,000 |
| Net interest income | 2,821,000 | 5,592,000 | 8,510,000 | 11,196,000 |
| Noninterest income | 1,231,000 | 2,364,000 | 3,700,000 | 4,635,000 |
| Noninterest expense | 2,402,000 | 4,975,000 | 7,606,000 | 10,165,000 |
| Provision for loan losses | 102,000 | 385,000 | 526,000 | 423,000 |
| Pretax income | 1,548,000 | 2,596,000 | 4,078,000 | 5,243,000 |
| Income tax | 515,000 | 822,000 | 1,309,000 | 1,659,000 |
| Net income | 1,033,000 | 1,774,000 | 2,769,000 | 3,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,212,000 | 28,352,000 | 29,347,000 | 29,622,000 |
| Total capital | 30,689,000 | 30,870,000 | 31,921,000 | 32,166,000 |
| Risk-weighted assets | 197,864,000 | 201,229,000 | 205,862,000 | 203,948,000 |
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