Call reports 2008
CITIZENS BANK & TRUST CO. OF JACKSON — 2008
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 113,403,000 | 107,940,000 | 110,062,000 | 106,596,000 |
| Total loans | 83,339,000 | 85,151,000 | 86,621,000 | 83,065,000 |
| Allowance for loan losses | 1,057,000 | 1,005,000 | 1,045,000 | 972,000 |
| Securities available for sale | 12,842,000 | 10,638,000 | 9,541,000 | 11,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,143,000 | 90,508,000 | 89,245,000 | 87,453,000 |
| Interest-bearing deposits | 85,272,000 | 80,158,000 | 79,223,000 | 77,503,000 |
| Noninterest-bearing deposits | 10,871,000 | 10,350,000 | 10,022,000 | 9,950,000 |
| Equity capital | 13,056,000 | 13,004,000 | 12,942,000 | 11,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,549,000 | 5,230,000 | 6,839,000 |
| Interest expense | 733,000 | 1,358,000 | 1,945,000 | 2,484,000 |
| Net interest income | 1,095,000 | 2,191,000 | 3,285,000 | 4,355,000 |
| Noninterest income | 342,000 | 711,000 | 1,066,000 | 1,893,000 |
| Noninterest expense | 1,003,000 | 2,057,000 | 3,144,000 | 4,280,000 |
| Provision for loan losses | 30,000 | 60,000 | 98,000 | 1,912,000 |
| Pretax income | 405,000 | 786,000 | 1,580,000 | 55,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 405,000 | 786,000 | 1,580,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,350,000 | 10,440,000 | 10,469,000 | 8,974,000 |
| Total capital | 11,407,000 | 11,445,000 | 11,514,000 | 9,946,000 |
| Risk-weighted assets | 93,172,000 | 85,833,000 | 86,211,000 | 82,420,000 |