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 | 120,932,000 | 120,274,000 | 123,413,000 | 123,129,000 |
| Total loans | 66,662,000 | 67,542,000 | 66,948,000 | 67,387,000 |
| Allowance for loan losses | 1,505,000 | 1,505,000 | 1,505,000 | 1,505,000 |
| Securities available for sale | 17,193,000 | 16,606,000 | 17,746,000 | 18,235,000 |
| Securities held to maturity | 28,433,000 | 28,521,000 | 31,646,000 | 32,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,594,000 | 94,519,000 | 96,780,000 | 96,607,000 |
| Interest-bearing deposits | 80,538,000 | 81,026,000 | 83,401,000 | 84,010,000 |
| Noninterest-bearing deposits | 15,056,000 | 13,493,000 | 13,379,000 | 12,598,000 |
| Equity capital | 23,700,000 | 24,153,000 | 24,705,000 | 24,709,000 |
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 | 1,882,000 | 3,829,000 | 5,816,000 | 7,833,000 |
| Interest expense | 706,000 | 1,444,000 | 2,223,000 | 3,032,000 |
| Net interest income | 1,176,000 | 2,385,000 | 3,593,000 | 4,801,000 |
| Noninterest income | 129,000 | 298,000 | 452,000 | 605,000 |
| Noninterest expense | 688,000 | 1,374,000 | 2,072,000 | 2,780,000 |
| Provision for loan losses | 22,000 | 74,000 | 142,000 | 225,000 |
| Pretax income | 595,000 | 1,233,000 | 1,829,000 | 2,399,000 |
| Income tax | 146,000 | 302,000 | 446,000 | 578,000 |
| Net income | 449,000 | 931,000 | 1,383,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,712,000 | 24,194,000 | 24,645,000 | 24,551,000 |
| Total capital | 24,603,000 | 25,095,000 | 25,547,000 | 25,453,000 |
| Risk-weighted assets | 70,661,000 | 71,470,000 | 71,550,000 | 71,590,000 |