Call reports 2005
JACKSON COUNTY BANK — 2005
What JACKSON COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 119,676,000 | 119,052,000 | 121,171,000 | 118,218,000 |
| Total loans | 62,776,000 | 63,739,000 | 65,239,000 | 64,267,000 |
| Allowance for loan losses | 1,485,000 | 1,465,000 | 1,475,000 | 1,480,000 |
| Securities available for sale | 17,492,000 | 18,530,000 | 19,918,000 | 18,830,000 |
| Securities held to maturity | 32,128,000 | 29,924,000 | 29,167,000 | 29,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,509,000 | 95,473,000 | 97,144,000 | 94,463,000 |
| Interest-bearing deposits | 80,554,000 | 81,387,000 | 81,417,000 | 79,237,000 |
| Noninterest-bearing deposits | 15,955,000 | 14,086,000 | 15,727,000 | 15,226,000 |
| Equity capital | 21,283,000 | 21,736,000 | 22,105,000 | 21,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,617,000 | 3,270,000 | 4,970,000 | 6,687,000 |
| Interest expense | 476,000 | 981,000 | 1,512,000 | 2,064,000 |
| Net interest income | 1,141,000 | 2,289,000 | 3,458,000 | 4,623,000 |
| Noninterest income | 108,000 | 234,000 | 364,000 | 492,000 |
| Noninterest expense | 643,000 | 1,284,000 | 1,933,000 | 2,582,000 |
| Provision for loan losses | 38,000 | 161,000 | 271,000 | 407,000 |
| Pretax income | 568,000 | 1,078,000 | 1,618,000 | 2,126,000 |
| Income tax | 124,000 | 241,000 | 371,000 | 498,000 |
| Net income | 444,000 | 837,000 | 1,247,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,425,000 | 21,818,000 | 22,228,000 | 22,106,000 |
| Total capital | 22,258,000 | 22,662,000 | 23,089,000 | 22,953,000 |
| Risk-weighted assets | 65,962,000 | 66,925,000 | 68,297,000 | 67,131,000 |