Call reports 2015
JACKSON COUNTY BANK — 2015
What JACKSON COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 490,501,000 | 492,121,000 | 487,445,000 | 494,187,000 |
| Total loans | 296,712,000 | 292,224,000 | 299,820,000 | 309,402,000 |
| Allowance for loan losses | 2,492,000 | 2,490,000 | 2,494,000 | 2,540,000 |
| Securities available for sale | 84,287,000 | 91,756,000 | 84,336,000 | 85,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,327,000 | 1,293,000 | 1,203,000 | 1,244,000 |
| Total deposits | 362,979,000 | 367,023,000 | 363,276,000 | 373,164,000 |
| Interest-bearing deposits | 297,308,000 | 295,783,000 | 292,908,000 | 301,750,000 |
| Noninterest-bearing deposits | 65,671,000 | 71,240,000 | 70,368,000 | 71,414,000 |
| Equity capital | 45,363,000 | 45,235,000 | 46,232,000 | 46,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,478,000 | 7,073,000 | 10,555,000 | 14,113,000 |
| Interest expense | 579,000 | 1,164,000 | 1,732,000 | 2,291,000 |
| Net interest income | 2,899,000 | 5,909,000 | 8,823,000 | 11,822,000 |
| Noninterest income | 1,258,000 | 2,495,000 | 3,565,000 | 4,744,000 |
| Noninterest expense | 3,025,000 | 6,089,000 | 9,181,000 | 12,695,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 100,000 |
| Pretax income | 1,109,000 | 2,292,000 | 3,184,000 | 3,798,000 |
| Income tax | 235,000 | 500,000 | 667,000 | 743,000 |
| Net income | 874,000 | 1,792,000 | 2,517,000 | 3,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,017,000 | 46,311,000 | 46,910,000 | 46,724,000 |
| Total capital | 48,509,000 | 48,801,000 | 49,404,000 | 49,264,000 |
| Risk-weighted assets | 315,657,000 | 312,367,000 | 318,828,000 | 323,569,000 |