Call reports 2014
JACKSON COUNTY BANK — 2014
What JACKSON COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 445,231,000 | 445,932,000 | 440,353,000 | 454,643,000 |
| Total loans | 290,467,000 | 291,346,000 | 289,889,000 | 296,115,000 |
| Allowance for loan losses | 2,735,000 | 2,331,000 | 2,335,000 | 2,451,000 |
| Securities available for sale | 84,656,000 | 84,471,000 | 78,329,000 | 74,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,218,000 | 1,188,000 | 1,172,000 | 1,255,000 |
| Total deposits | 340,991,000 | 342,364,000 | 338,059,000 | 355,110,000 |
| Interest-bearing deposits | 278,644,000 | 280,850,000 | 280,067,000 | 290,054,000 |
| Noninterest-bearing deposits | 62,347,000 | 61,514,000 | 57,992,000 | 65,056,000 |
| Equity capital | 43,950,000 | 44,203,000 | 45,585,000 | 44,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,705,000 | 7,315,000 | 10,795,000 | 14,375,000 |
| Interest expense | 572,000 | 1,153,000 | 1,720,000 | 2,296,000 |
| Net interest income | 3,133,000 | 6,162,000 | 9,075,000 | 12,079,000 |
| Noninterest income | 1,088,000 | 2,234,000 | 3,894,000 | 5,201,000 |
| Noninterest expense | 3,051,000 | 6,139,000 | 9,186,000 | 12,633,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -150,000 |
| Pretax income | 1,200,000 | 2,617,000 | 4,142,000 | 4,863,000 |
| Income tax | 245,000 | 569,000 | 934,000 | 1,032,000 |
| Net income | 955,000 | 2,048,000 | 3,208,000 | 3,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,988,000 | 45,431,000 | 46,591,000 | 45,589,000 |
| Total capital | 48,723,000 | 47,762,000 | 48,926,000 | 48,040,000 |
| Risk-weighted assets | 289,230,000 | 288,492,000 | 285,097,000 | 289,347,000 |