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 | 128,796,000 | 129,968,000 | 128,885,000 | 129,685,000 |
| Total loans | 64,190,000 | 64,216,000 | 65,400,000 | 66,071,000 |
| Allowance for loan losses | 1,590,000 | 1,630,000 | 1,650,000 | 1,600,000 |
| Securities available for sale | 25,101,000 | 25,534,000 | 21,755,000 | 21,639,000 |
| Securities held to maturity | 27,676,000 | 27,767,000 | 28,550,000 | 28,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,916,000 | 91,849,000 | 90,205,000 | 91,436,000 |
| Interest-bearing deposits | 69,580,000 | 70,495,000 | 67,977,000 | 67,042,000 |
| Noninterest-bearing deposits | 21,336,000 | 21,354,000 | 22,228,000 | 24,394,000 |
| Equity capital | 32,948,000 | 33,277,000 | 33,706,000 | 33,423,000 |
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 | 1,302,000 | 2,614,000 | 3,922,000 | 5,215,000 |
| Interest expense | 107,000 | 210,000 | 307,000 | 397,000 |
| Net interest income | 1,195,000 | 2,404,000 | 3,615,000 | 4,818,000 |
| Noninterest income | 186,000 | 354,000 | 569,000 | 785,000 |
| Noninterest expense | 845,000 | 1,695,000 | 2,541,000 | 3,433,000 |
| Provision for loan losses | 49,000 | 71,000 | 133,000 | 194,000 |
| Pretax income | 487,000 | 991,000 | 1,509,000 | 1,974,000 |
| Income tax | 140,000 | 281,000 | 431,000 | 482,000 |
| Net income | 347,000 | 710,000 | 1,078,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,958,000 | 33,320,000 | 33,689,000 | 33,481,000 |
| Total capital | 33,877,000 | 34,233,000 | 34,619,000 | 34,421,000 |
| Risk-weighted assets | 72,929,000 | 72,348,000 | 73,682,000 | 74,552,000 |