Call reports 2002
CITIZENS BANK & TRUST CO. OF JACKSON — 2002
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,552,000 | 101,845,000 | 103,779,000 | 104,992,000 |
| Total loans | 69,495,000 | 69,618,000 | 71,633,000 | 73,525,000 |
| Allowance for loan losses | 849,000 | 902,000 | 912,000 | 961,000 |
| Securities available for sale | 19,317,000 | 18,780,000 | 17,769,000 | 18,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,032,000 | 81,405,000 | 83,269,000 | 84,539,000 |
| Interest-bearing deposits | 73,750,000 | 72,747,000 | 74,369,000 | 75,453,000 |
| Noninterest-bearing deposits | 9,282,000 | 8,658,000 | 8,900,000 | 9,086,000 |
| Equity capital | 11,956,000 | 12,083,000 | 12,259,000 | 12,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,337,000 | 4,992,000 | 6,633,000 |
| Interest expense | 735,000 | 1,463,000 | 2,179,000 | 2,829,000 |
| Net interest income | 941,000 | 1,874,000 | 2,813,000 | 3,804,000 |
| Noninterest income | 206,000 | 440,000 | 672,000 | 918,000 |
| Noninterest expense | 773,000 | 1,597,000 | 2,414,000 | 3,359,000 |
| Provision for loan losses | 160,000 | 220,000 | 280,000 | 340,000 |
| Pretax income | 218,000 | 501,000 | 795,000 | 1,027,000 |
| Income tax | -540,000 | -597,000 | -597,000 | -542,000 |
| Net income | 758,000 | 1,098,000 | 1,392,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,544,000 | 8,430,000 | 8,518,000 | 8,491,000 |
| Total capital | 9,393,000 | 9,332,000 | 9,430,000 | 9,452,000 |
| Risk-weighted assets | 76,312,000 | 75,482,000 | 80,600,000 | 80,113,000 |