Call reports 2003
JACKSON COUNTY BANK — 2003
What JACKSON COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 107,561,000 | 108,799,000 | 108,796,000 | 108,953,000 |
| Total loans | 56,859,000 | 58,414,000 | 58,241,000 | 59,189,000 |
| Allowance for loan losses | 1,495,000 | 1,485,000 | 1,485,000 | 1,580,000 |
| Securities available for sale | 16,397,000 | 18,366,000 | 16,458,000 | 16,013,000 |
| Securities held to maturity | 25,874,000 | 25,108,000 | 27,423,000 | 27,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,615,000 | 86,476,000 | 85,889,000 | 86,443,000 |
| Interest-bearing deposits | 72,088,000 | 72,343,000 | 71,972,000 | 72,017,000 |
| Noninterest-bearing deposits | 13,527,000 | 14,133,000 | 13,917,000 | 14,426,000 |
| Equity capital | 19,534,000 | 19,906,000 | 20,167,000 | 19,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,620,000 | 3,184,000 | 4,758,000 | 6,301,000 |
| Interest expense | 537,000 | 1,061,000 | 1,538,000 | 1,983,000 |
| Net interest income | 1,083,000 | 2,123,000 | 3,220,000 | 4,318,000 |
| Noninterest income | 75,000 | 165,000 | 253,000 | 354,000 |
| Noninterest expense | 663,000 | 1,327,000 | 2,049,000 | 2,622,000 |
| Provision for loan losses | 0 | 67,000 | 120,000 | 321,000 |
| Pretax income | 495,000 | 894,000 | 1,304,000 | 1,729,000 |
| Income tax | 102,000 | 175,000 | 261,000 | 360,000 |
| Net income | 393,000 | 719,000 | 1,043,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,396,000 | 19,722,000 | 20,046,000 | 19,892,000 |
| Total capital | 20,165,000 | 20,519,000 | 20,823,000 | 20,675,000 |
| Risk-weighted assets | 60,762,000 | 63,096,000 | 61,430,000 | 61,898,000 |