Call reports 2003
CITIZENS BANK & TRUST CO. OF JACKSON — 2003
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 105,388,000 | 105,528,000 | 109,202,000 | 108,496,000 |
| Total loans | 71,406,000 | 75,170,000 | 78,393,000 | 82,151,000 |
| Allowance for loan losses | 974,000 | 997,000 | 1,026,000 | 1,080,000 |
| Securities available for sale | 18,418,000 | 18,025,000 | 16,848,000 | 14,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,531,000 | 84,564,000 | 88,897,000 | 89,953,000 |
| Interest-bearing deposits | 76,538,000 | 74,623,000 | 76,552,000 | 78,445,000 |
| Noninterest-bearing deposits | 10,993,000 | 9,941,000 | 12,345,000 | 11,508,000 |
| Equity capital | 12,407,000 | 12,742,000 | 12,794,000 | 12,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,158,000 | 4,766,000 | 6,381,000 |
| Interest expense | 598,000 | 1,154,000 | 1,682,000 | 2,177,000 |
| Net interest income | 987,000 | 2,004,000 | 3,084,000 | 4,204,000 |
| Noninterest income | 243,000 | 519,000 | 794,000 | 1,049,000 |
| Noninterest expense | 859,000 | 1,734,000 | 2,605,000 | 3,604,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 266,000 |
| Pretax income | 311,000 | 672,000 | 1,096,000 | 1,390,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 672,000 | 1,096,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,686,000 | 8,930,000 | 9,238,000 | 8,591,000 |
| Total capital | 9,660,000 | 9,927,000 | 10,262,000 | 9,646,000 |
| Risk-weighted assets | 78,391,000 | 80,601,000 | 81,912,000 | 84,346,000 |