Call reports 2006
JACKSON COUNTY BANK — 2006
What JACKSON COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 193,957,000 | 175,289,000 | 179,425,000 | 181,791,000 |
| Total loans | 122,746,000 | 125,808,000 | 130,037,000 | 129,719,000 |
| Allowance for loan losses | 1,843,000 | 1,889,000 | 1,915,000 | 1,950,000 |
| Securities available for sale | 56,817,000 | 31,007,000 | 30,573,000 | 29,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,285,000 | 143,120,000 | 146,256,000 | 152,109,000 |
| Interest-bearing deposits | 153,393,000 | 125,675,000 | 133,672,000 | 138,787,000 |
| Noninterest-bearing deposits | 12,892,000 | 17,445,000 | 12,584,000 | 13,322,000 |
| Equity capital | 15,479,000 | 15,351,000 | 16,224,000 | 16,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,739,000 | 5,603,000 | 8,434,000 | 11,273,000 |
| Interest expense | 1,189,000 | 2,438,000 | 3,662,000 | 4,907,000 |
| Net interest income | 1,550,000 | 3,165,000 | 4,772,000 | 6,366,000 |
| Noninterest income | 248,000 | 513,000 | 768,000 | 1,082,000 |
| Noninterest expense | 978,000 | 1,881,000 | 2,903,000 | 3,807,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 790,000 | 1,737,000 | 2,547,000 | 3,521,000 |
| Income tax | 10,000 | 19,000 | 31,000 | 31,000 |
| Net income | 780,000 | 1,718,000 | 2,516,000 | 3,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,991,000 | 16,096,000 | 16,591,000 | 16,372,000 |
| Total capital | 17,510,000 | 17,585,000 | 18,122,000 | 17,904,000 |
| Risk-weighted assets | 121,168,000 | 118,729,000 | 122,096,000 | 122,121,000 |