Call reports 2007
JACKSON COUNTY BANK — 2007
What JACKSON COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 195,687,000 | 198,030,000 | 202,228,000 | 204,028,000 |
| Total loans | 130,674,000 | 131,655,000 | 131,935,000 | 133,152,000 |
| Allowance for loan losses | 1,979,000 | 2,016,000 | 2,035,000 | 2,125,000 |
| Securities available for sale | 38,566,000 | 35,456,000 | 45,090,000 | 46,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,643,000 | 173,430,000 | 178,355,000 | 180,536,000 |
| Interest-bearing deposits | 152,084,000 | 159,618,000 | 164,945,000 | 167,036,000 |
| Noninterest-bearing deposits | 13,559,000 | 13,812,000 | 13,410,000 | 13,500,000 |
| Equity capital | 16,705,000 | 16,381,000 | 17,091,000 | 17,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 6,015,000 | 9,210,000 | 12,431,000 |
| Interest expense | 1,352,000 | 2,812,000 | 4,304,000 | 5,757,000 |
| Net interest income | 1,602,000 | 3,203,000 | 4,906,000 | 6,674,000 |
| Noninterest income | 266,000 | 530,000 | 767,000 | 1,126,000 |
| Noninterest expense | 971,000 | 1,900,000 | 2,901,000 | 3,955,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 220,000 |
| Pretax income | 867,000 | 1,773,000 | 2,682,000 | 3,625,000 |
| Income tax | 3,000 | 9,000 | 14,000 | 20,000 |
| Net income | 864,000 | 1,764,000 | 2,668,000 | 3,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,978,000 | 16,775,000 | 17,254,000 | 17,020,000 |
| Total capital | 18,550,000 | 18,374,000 | 18,848,000 | 18,626,000 |
| Risk-weighted assets | 125,317,000 | 127,492,000 | 127,063,000 | 127,959,000 |