Call reports 2007
BANK OF JACKSON COUNTY — 2007
What BANK OF JACKSON COUNTY 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 | 36,443,000 | 36,669,000 | 35,806,000 | 37,599,000 |
| Total loans | 21,235,000 | 23,193,000 | 24,955,000 | 24,885,000 |
| Allowance for loan losses | 172,000 | 193,000 | 439,000 | 499,000 |
| Securities available for sale | 6,965,000 | 6,958,000 | 6,992,000 | 7,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,360,000 | 33,471,000 | 32,668,000 | 34,465,000 |
| Interest-bearing deposits | 25,056,000 | 24,871,000 | 24,582,000 | 25,748,000 |
| Noninterest-bearing deposits | 8,304,000 | 8,600,000 | 8,086,000 | 8,717,000 |
| Equity capital | 2,916,000 | 2,956,000 | 2,886,000 | 2,926,000 |
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 | 599,000 | 1,225,000 | 1,851,000 | 2,479,000 |
| Interest expense | 126,000 | 260,000 | 398,000 | 538,000 |
| Net interest income | 473,000 | 965,000 | 1,453,000 | 1,941,000 |
| Noninterest income | 87,000 | 183,000 | 295,000 | 404,000 |
| Noninterest expense | 473,000 | 959,000 | 1,432,000 | 1,947,000 |
| Provision for loan losses | 0 | 35,000 | 285,000 | 386,000 |
| Pretax income | 87,000 | 154,000 | 31,000 | 12,000 |
| Income tax | 29,000 | 52,000 | 20,000 | -20,000 |
| Net income | 58,000 | 102,000 | 11,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,936,000 | 2,981,000 | 2,890,000 | 2,911,000 |
| Total capital | 3,108,000 | 3,174,000 | 3,202,000 | 3,228,000 |
| Risk-weighted assets | 22,944,000 | 24,205,000 | 24,832,000 | 25,171,000 |