Call reports 2005
JACKSON BANK & TRUST — 2005
What JACKSON BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 170,645,000 | 169,718,000 |
| Total loans | 112,080,000 | 110,704,000 |
| Allowance for loan losses | 1,766,000 | 1,750,000 |
| Securities available for sale | 43,376,000 | 43,505,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 141,006,000 | 139,159,000 |
| Interest-bearing deposits | 121,645,000 | 118,726,000 |
| Noninterest-bearing deposits | 19,361,000 | 20,433,000 |
| Equity capital | 17,346,000 | 17,948,000 |
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 |
|---|---|---|
| Interest income | 2,248,000 | 4,540,000 |
| Interest expense | 725,000 | 1,495,000 |
| Net interest income | 1,523,000 | 3,045,000 |
| Noninterest income | 375,000 | 770,000 |
| Noninterest expense | 1,266,000 | 2,876,000 |
| Provision for loan losses | 0 | 75,000 |
| Pretax income | 632,000 | 864,000 |
| Income tax | 179,000 | 203,000 |
| Net income | 453,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 17,321,000 | 17,529,000 |
| Total capital | 18,681,000 | 18,871,000 |
| Risk-weighted assets | 108,397,000 | 106,946,000 |