Call reports 2001
CITIZENS BANK & TRUST CO. OF JACKSON — 2001
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 95,404,000 | 100,430,000 | 102,559,000 | 102,870,000 |
| Total loans | 62,634,000 | 71,896,000 | 72,554,000 | 71,190,000 |
| Allowance for loan losses | 731,000 | 746,000 | 749,000 | 766,000 |
| Securities available for sale | 18,759,000 | 19,117,000 | 18,526,000 | 17,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,162,000 | 80,514,000 | 80,947,000 | 81,802,000 |
| Interest-bearing deposits | 72,594,000 | 72,280,000 | 71,980,000 | 73,113,000 |
| Noninterest-bearing deposits | 7,568,000 | 8,234,000 | 8,967,000 | 8,689,000 |
| Equity capital | 11,791,000 | 11,790,000 | 11,915,000 | 11,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,674,000 | 5,507,000 | 7,345,000 |
| Interest expense | 895,000 | 1,767,000 | 2,647,000 | 3,475,000 |
| Net interest income | 940,000 | 1,907,000 | 2,860,000 | 3,870,000 |
| Noninterest income | 173,000 | 362,000 | 528,000 | 765,000 |
| Noninterest expense | 713,000 | 1,457,000 | 2,221,000 | 3,043,000 |
| Provision for loan losses | 45,000 | 105,000 | 180,000 | 273,000 |
| Pretax income | 355,000 | 710,000 | 991,000 | 1,357,000 |
| Income tax | 96,000 | 181,000 | 263,000 | 361,000 |
| Net income | 259,000 | 529,000 | 728,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,094,000 | 8,177,000 | 8,186,000 | 8,391,000 |
| Total capital | 8,825,000 | 8,923,000 | 8,935,000 | 9,157,000 |
| Risk-weighted assets | 66,316,000 | 74,733,000 | 76,534,000 | 74,628,000 |