Call reports 2004
JACKSON COUNTY BANK — 2004
What JACKSON COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 111,200,000 | 110,142,000 | 114,432,000 | 115,336,000 |
| Total loans | 58,399,000 | 59,497,000 | 61,984,000 | 62,660,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,475,000 | 1,475,000 |
| Securities available for sale | 15,457,000 | 16,729,000 | 17,305,000 | 16,504,000 |
| Securities held to maturity | 29,679,000 | 27,501,000 | 28,892,000 | 30,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,298,000 | 87,413,000 | 91,246,000 | 92,479,000 |
| Interest-bearing deposits | 73,655,000 | 73,193,000 | 76,327,000 | 77,858,000 |
| Noninterest-bearing deposits | 14,643,000 | 14,219,000 | 14,918,000 | 14,621,000 |
| Equity capital | 20,445,000 | 20,721,000 | 21,109,000 | 20,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,517,000 | 3,053,000 | 4,609,000 | 6,187,000 |
| Interest expense | 429,000 | 853,000 | 1,300,000 | 1,756,000 |
| Net interest income | 1,088,000 | 2,200,000 | 3,309,000 | 4,431,000 |
| Noninterest income | 100,000 | 206,000 | 309,000 | 427,000 |
| Noninterest expense | 599,000 | 1,212,000 | 1,860,000 | 2,511,000 |
| Provision for loan losses | 14,000 | 99,000 | 180,000 | 289,000 |
| Pretax income | 575,000 | 1,095,000 | 1,577,000 | 2,056,000 |
| Income tax | 129,000 | 239,000 | 361,000 | 475,000 |
| Net income | 446,000 | 856,000 | 1,216,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,338,000 | 20,749,000 | 21,108,000 | 20,981,000 |
| Total capital | 21,116,000 | 21,537,000 | 21,927,000 | 21,802,000 |
| Risk-weighted assets | 61,552,000 | 62,342,000 | 64,839,000 | 64,992,000 |