Call reports 2005
JACKSON COUNTY BANK — 2005
What JACKSON COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 203,272,000 | 191,817,000 | 195,712,000 | 192,460,000 |
| Total loans | 115,217,000 | 114,024,000 | 116,747,000 | 116,414,000 |
| Allowance for loan losses | 1,728,000 | 1,781,000 | 1,792,000 | 1,821,000 |
| Securities available for sale | 64,133,000 | 58,081,000 | 60,538,000 | 48,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,473,000 | 163,012,000 | 167,237,000 | 165,086,000 |
| Interest-bearing deposits | 162,849,000 | 149,851,000 | 148,110,000 | 149,945,000 |
| Noninterest-bearing deposits | 12,624,000 | 13,161,000 | 19,127,000 | 15,141,000 |
| Equity capital | 14,822,000 | 15,690,000 | 16,114,000 | 15,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,197,000 | 4,612,000 | 7,170,000 | 9,914,000 |
| Interest expense | 691,000 | 1,495,000 | 2,378,000 | 3,337,000 |
| Net interest income | 1,506,000 | 3,117,000 | 4,792,000 | 6,577,000 |
| Noninterest income | 273,000 | 535,000 | 830,000 | 1,150,000 |
| Noninterest expense | 967,000 | 1,801,000 | 2,789,000 | 3,822,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 782,000 | 1,791,000 | 2,743,000 | 3,785,000 |
| Income tax | 6,000 | 19,000 | 31,000 | 52,000 |
| Net income | 776,000 | 1,772,000 | 2,712,000 | 3,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,032,000 | 15,714,000 | 16,266,000 | 15,630,000 |
| Total capital | 16,529,000 | 17,161,000 | 17,751,000 | 17,098,000 |
| Risk-weighted assets | 119,553,000 | 115,398,000 | 118,486,000 | 117,059,000 |