Call reports 2006
CITIZENS BANK & TRUST CO. OF JACKSON — 2006
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 118,779,000 | 116,159,000 | 117,816,000 | 116,103,000 |
| Total loans | 88,966,000 | 89,484,000 | 86,486,000 | 88,359,000 |
| Allowance for loan losses | 1,031,000 | 1,003,000 | 1,033,000 | 963,000 |
| Securities available for sale | 8,588,000 | 7,765,000 | 12,202,000 | 13,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,222,000 | 99,959,000 | 100,921,000 | 99,976,000 |
| Interest-bearing deposits | 85,563,000 | 87,724,000 | 88,924,000 | 88,377,000 |
| Noninterest-bearing deposits | 17,659,000 | 12,235,000 | 11,997,000 | 11,599,000 |
| Equity capital | 12,334,000 | 12,422,000 | 12,593,000 | 12,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,905,000 | 6,002,000 | 8,097,000 |
| Interest expense | 664,000 | 1,419,000 | 2,294,000 | 3,208,000 |
| Net interest income | 1,257,000 | 2,486,000 | 3,708,000 | 4,889,000 |
| Noninterest income | 281,000 | 607,000 | 939,000 | 1,264,000 |
| Noninterest expense | 914,000 | 1,864,000 | 2,832,000 | 3,853,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 595,000 | 1,170,000 | 1,726,000 | 2,181,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 595,000 | 1,170,000 | 1,726,000 | 2,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,616,000 | 9,772,000 | 9,910,000 | 9,946,000 |
| Total capital | 10,647,000 | 10,775,000 | 10,943,000 | 10,909,000 |
| Risk-weighted assets | 90,814,000 | 98,134,000 | 98,099,000 | 91,219,000 |