Call reports 2005
CITIZENS BANK & TRUST CO. OF JACKSON — 2005
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 108,340,000 | 107,471,000 | 109,446,000 | 113,248,000 |
| Total loans | 82,893,000 | 85,284,000 | 86,450,000 | 89,368,000 |
| Allowance for loan losses | 1,130,000 | 1,131,000 | 1,164,000 | 1,019,000 |
| Securities available for sale | 10,262,000 | 10,208,000 | 10,056,000 | 9,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,661,000 | 91,485,000 | 93,606,000 | 94,433,000 |
| Interest-bearing deposits | 80,612,000 | 79,993,000 | 82,664,000 | 82,940,000 |
| Noninterest-bearing deposits | 12,049,000 | 11,492,000 | 10,942,000 | 11,492,000 |
| Equity capital | 11,979,000 | 12,111,000 | 12,153,000 | 12,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,281,000 | 5,035,000 | 6,864,000 |
| Interest expense | 482,000 | 1,000,000 | 1,580,000 | 2,203,000 |
| Net interest income | 1,125,000 | 2,281,000 | 3,455,000 | 4,661,000 |
| Noninterest income | 299,000 | 605,000 | 905,000 | 1,213,000 |
| Noninterest expense | 879,000 | 1,799,000 | 2,768,000 | 3,735,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 140,000 |
| Pretax income | 510,000 | 1,017,000 | 1,487,000 | 1,999,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 510,000 | 1,017,000 | 1,487,000 | 1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,061,000 | 9,199,000 | 9,299,000 | 9,441,000 |
| Total capital | 10,142,000 | 10,303,000 | 10,416,000 | 10,460,000 |
| Risk-weighted assets | 86,420,000 | 88,362,000 | 89,299,000 | 91,960,000 |