Call reports 2004
JACKSON COUNTY BANK — 2004
What JACKSON COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 154,205,000 | 178,858,000 | 202,726,000 | 195,269,000 |
| Total loans | 112,901,000 | 111,308,000 | 114,975,000 | 116,437,000 |
| Allowance for loan losses | 1,649,000 | 1,680,000 | 1,708,000 | 1,698,000 |
| Securities available for sale | 29,801,000 | 29,807,000 | 57,053,000 | 63,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,652,000 | 148,989,000 | 172,491,000 | 165,495,000 |
| Interest-bearing deposits | 107,488,000 | 133,012,000 | 158,874,000 | 149,842,000 |
| Noninterest-bearing deposits | 14,164,000 | 15,977,000 | 13,617,000 | 15,653,000 |
| Equity capital | 14,280,000 | 13,955,000 | 14,680,000 | 14,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,834,000 | 3,702,000 | 5,856,000 | 8,203,000 |
| Interest expense | 548,000 | 1,118,000 | 1,717,000 | 2,362,000 |
| Net interest income | 1,286,000 | 2,584,000 | 4,139,000 | 5,841,000 |
| Noninterest income | 236,000 | 514,000 | 785,000 | 1,137,000 |
| Noninterest expense | 898,000 | 1,839,000 | 2,738,000 | 3,663,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 594,000 | 1,199,000 | 2,096,000 | 3,195,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 23,000 |
| Net income | 589,000 | 1,189,000 | 2,081,000 | 3,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,779,000 | 13,914,000 | 14,463,000 | 14,256,000 |
| Total capital | 15,146,000 | 15,336,000 | 15,970,000 | 15,761,000 |
| Risk-weighted assets | 109,108,000 | 113,464,000 | 120,518,000 | 120,170,000 |