Call reports 2007
CITIZENS BANK & TRUST CO. OF JACKSON — 2007
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 116,497,000 | 111,865,000 | 108,961,000 | 110,640,000 |
| Total loans | 84,112,000 | 81,933,000 | 82,549,000 | 85,958,000 |
| Allowance for loan losses | 959,000 | 967,000 | 990,000 | 1,031,000 |
| Securities available for sale | 12,790,000 | 13,156,000 | 13,333,000 | 12,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,360,000 | 95,764,000 | 92,661,000 | 93,488,000 |
| Interest-bearing deposits | 88,893,000 | 85,155,000 | 83,240,000 | 83,470,000 |
| Noninterest-bearing deposits | 11,467,000 | 10,609,000 | 9,421,000 | 10,018,000 |
| Equity capital | 12,666,000 | 12,646,000 | 12,772,000 | 12,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,023,000 | 4,006,000 | 5,990,000 | 7,930,000 |
| Interest expense | 877,000 | 1,742,000 | 2,569,000 | 3,373,000 |
| Net interest income | 1,146,000 | 2,264,000 | 3,421,000 | 4,557,000 |
| Noninterest income | 320,000 | 652,000 | 970,000 | 1,331,000 |
| Noninterest expense | 954,000 | 1,908,000 | 2,908,000 | 3,912,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 482,000 | 948,000 | 1,393,000 | 1,864,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 482,000 | 948,000 | 1,393,000 | 1,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,008,000 | 10,069,000 | 10,140,000 | 10,235,000 |
| Total capital | 10,967,000 | 11,036,000 | 11,130,000 | 11,266,000 |
| Risk-weighted assets | 87,043,000 | 84,343,000 | 94,945,000 | 96,664,000 |