Call reports 2004
CITIZENS BANK & TRUST CO. OF JACKSON — 2004
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 114,074,000 | 110,595,000 | 111,224,000 | 109,044,000 |
| Total loans | 83,224,000 | 82,317,000 | 86,128,000 | 83,927,000 |
| Allowance for loan losses | 1,074,000 | 1,109,000 | 1,035,000 | 1,080,000 |
| Securities available for sale | 14,931,000 | 13,467,000 | 12,384,000 | 10,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,108,000 | 91,947,000 | 93,388,000 | 94,030,000 |
| Interest-bearing deposits | 82,667,000 | 80,354,000 | 79,899,000 | 79,669,000 |
| Noninterest-bearing deposits | 12,441,000 | 11,593,000 | 13,489,000 | 14,361,000 |
| Equity capital | 12,355,000 | 12,363,000 | 12,702,000 | 11,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,595,000 | 3,210,000 | 4,845,000 | 6,476,000 |
| Interest expense | 480,000 | 958,000 | 1,430,000 | 1,915,000 |
| Net interest income | 1,115,000 | 2,252,000 | 3,415,000 | 4,561,000 |
| Noninterest income | 243,000 | 483,000 | 720,000 | 1,023,000 |
| Noninterest expense | 863,000 | 1,725,000 | 2,608,000 | 3,484,000 |
| Provision for loan losses | 59,000 | 104,000 | 149,000 | 194,000 |
| Pretax income | 436,000 | 906,000 | 1,376,000 | 1,904,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 436,000 | 906,000 | 1,376,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,895,000 | 9,232,000 | 9,522,000 | 8,921,000 |
| Total capital | 9,969,000 | 10,326,000 | 10,557,000 | 10,001,000 |
| Risk-weighted assets | 88,109,000 | 87,473,000 | 89,041,000 | 86,912,000 |