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 | 151,776,000 | 148,805,000 | 155,471,000 | 158,781,000 |
| Total loans | 104,612,000 | 107,259,000 | 109,668,000 | 113,449,000 |
| Allowance for loan losses | 1,563,000 | 1,597,000 | 1,637,000 | 1,621,000 |
| Securities available for sale | 33,492,000 | 26,237,000 | 35,315,000 | 29,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,034,000 | 118,476,000 | 119,221,000 | 127,661,000 |
| Interest-bearing deposits | 107,516,000 | 103,633,000 | 107,533,000 | 113,183,000 |
| Noninterest-bearing deposits | 10,518,000 | 14,843,000 | 11,688,000 | 14,478,000 |
| Equity capital | 13,811,000 | 13,705,000 | 14,092,000 | 13,566,000 |
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 | 2,104,000 | 4,063,000 | 5,998,000 | 7,950,000 |
| Interest expense | 612,000 | 1,221,000 | 1,817,000 | 2,389,000 |
| Net interest income | 1,492,000 | 2,842,000 | 4,181,000 | 5,561,000 |
| Noninterest income | 299,000 | 597,000 | 895,000 | 1,209,000 |
| Noninterest expense | 851,000 | 1,764,000 | 2,597,000 | 3,506,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 895,000 | 1,585,000 | 2,344,000 | 3,114,000 |
| Income tax | 6,000 | 10,000 | 14,000 | 19,000 |
| Net income | 889,000 | 1,575,000 | 2,330,000 | 3,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,329,000 | 13,145,000 | 13,700,000 | 13,190,000 |
| Total capital | 14,612,000 | 14,445,000 | 15,048,000 | 14,579,000 |
| Risk-weighted assets | 102,340,000 | 103,714,000 | 107,534,000 | 110,862,000 |