Call reports 2005
BANK OF JACKSON COUNTY — 2005
What BANK OF JACKSON COUNTY 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 | 31,812,000 | 33,117,000 | 33,759,000 | 35,266,000 |
| Total loans | 17,920,000 | 18,328,000 | 19,830,000 | 19,811,000 |
| Allowance for loan losses | 237,000 | 237,000 | 251,000 | 250,000 |
| Securities available for sale | 5,981,000 | 6,020,000 | 6,964,000 | 6,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,341,000 | 30,497,000 | 30,989,000 | 32,581,000 |
| Interest-bearing deposits | 22,089,000 | 23,262,000 | 22,983,000 | 23,578,000 |
| Noninterest-bearing deposits | 7,252,000 | 7,235,000 | 8,005,000 | 9,003,000 |
| Equity capital | 2,425,000 | 2,520,000 | 2,592,000 | 2,624,000 |
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 | 410,000 | 834,000 | 1,300,000 | 1,803,000 |
| Interest expense | 54,000 | 107,000 | 171,000 | 254,000 |
| Net interest income | 356,000 | 727,000 | 1,129,000 | 1,549,000 |
| Noninterest income | 110,000 | 252,000 | 413,000 | 548,000 |
| Noninterest expense | 414,000 | 823,000 | 1,231,000 | 1,687,000 |
| Provision for loan losses | -22,000 | -22,000 | -22,000 | -22,000 |
| Pretax income | 74,000 | 178,000 | 333,000 | 432,000 |
| Income tax | 0 | 35,000 | 92,000 | 145,000 |
| Net income | 74,000 | 143,000 | 241,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,449,000 | 2,518,000 | 2,616,000 | 2,662,000 |
| Total capital | 2,686,000 | 2,755,000 | 2,867,000 | 2,912,000 |
| Risk-weighted assets | 19,988,000 | 20,302,000 | 21,849,000 | 21,932,000 |