Call reports 2016
JACKSON COUNTY BANK — 2016
What JACKSON COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 516,950,000 | 508,981,000 | 500,123,000 | 495,854,000 |
| Total loans | 305,126,000 | 312,469,000 | 321,067,000 | 333,094,000 |
| Allowance for loan losses | 2,545,000 | 2,604,000 | 2,661,000 | 2,742,000 |
| Securities available for sale | 108,167,000 | 109,645,000 | 100,957,000 | 98,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,209,000 | 1,229,000 | 1,282,000 | 1,321,000 |
| Total deposits | 370,736,000 | 371,185,000 | 365,016,000 | 372,974,000 |
| Interest-bearing deposits | 301,334,000 | 300,491,000 | 294,016,000 | 305,366,000 |
| Noninterest-bearing deposits | 69,402,000 | 70,694,000 | 71,000,000 | 67,608,000 |
| Equity capital | 47,207,000 | 47,628,000 | 48,070,000 | 46,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 7,389,000 | 11,194,000 | 15,096,000 |
| Interest expense | 563,000 | 1,129,000 | 1,686,000 | 2,232,000 |
| Net interest income | 3,069,000 | 6,260,000 | 9,508,000 | 12,864,000 |
| Noninterest income | 1,010,000 | 2,270,000 | 3,497,000 | 4,761,000 |
| Noninterest expense | 3,298,000 | 6,869,000 | 10,429,000 | 14,204,000 |
| Provision for loan losses | 50,000 | 125,000 | 300,000 | 400,000 |
| Pretax income | 735,000 | 1,628,000 | 2,396,000 | 3,182,000 |
| Income tax | 110,000 | 277,000 | 397,000 | 523,000 |
| Net income | 625,000 | 1,351,000 | 1,999,000 | 2,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,349,000 | 47,425,000 | 48,072,000 | 48,008,000 |
| Total capital | 49,894,000 | 50,029,000 | 50,733,000 | 50,750,000 |
| Risk-weighted assets | 326,405,000 | 332,128,000 | 341,436,000 | 346,094,000 |