Call reports 2015
JACKSON COUNTY BANK — 2015
What JACKSON COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 207,076,000 | 217,096,000 | 217,995,000 | 225,290,000 |
| Total loans | 156,750,000 | 160,262,000 | 168,029,000 | 170,375,000 |
| Allowance for loan losses | 3,005,000 | 3,088,000 | 3,152,000 | 3,196,000 |
| Securities available for sale | 32,663,000 | 32,642,000 | 34,225,000 | 32,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,441,000 | 180,475,000 | 180,605,000 | 183,797,000 |
| Interest-bearing deposits | 152,100,000 | 148,672,000 | 151,128,000 | 153,378,000 |
| Noninterest-bearing deposits | 23,341,000 | 31,803,000 | 29,477,000 | 30,419,000 |
| Equity capital | 23,873,000 | 23,759,000 | 24,373,000 | 23,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,223,000 | 4,412,000 | 6,650,000 | 8,956,000 |
| Interest expense | 255,000 | 502,000 | 786,000 | 1,068,000 |
| Net interest income | 1,968,000 | 3,910,000 | 5,864,000 | 7,888,000 |
| Noninterest income | 340,000 | 679,000 | 1,044,000 | 1,452,000 |
| Noninterest expense | 1,174,000 | 2,450,000 | 3,719,000 | 5,166,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 1,111,000 | 2,042,000 | 3,017,000 | 3,978,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 1,110,000 | 2,040,000 | 3,014,000 | 3,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,337,000 | 23,437,000 | 23,938,000 | 23,311,000 |
| Total capital | 25,198,000 | 25,323,000 | 26,076,000 | 25,472,000 |
| Risk-weighted assets | 147,735,000 | 149,706,000 | 170,056,000 | 171,861,000 |