Call reports 2009
CITIZENS BANK & TRUST CO. OF JACKSON — 2009
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 111,744,000 | 109,876,000 | 108,450,000 | 114,237,000 |
| Total loans | 81,634,000 | 79,252,000 | 80,021,000 | 83,164,000 |
| Allowance for loan losses | 991,000 | 839,000 | 913,000 | 948,000 |
| Securities available for sale | 10,466,000 | 9,703,000 | 9,171,000 | 9,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,298,000 | 88,642,000 | 87,888,000 | 94,000,000 |
| Interest-bearing deposits | 78,005,000 | 77,549,000 | 77,934,000 | 82,442,000 |
| Noninterest-bearing deposits | 12,293,000 | 11,093,000 | 9,954,000 | 11,558,000 |
| Equity capital | 13,590,000 | 13,391,000 | 13,714,000 | 13,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,950,000 | 4,552,000 | 6,105,000 |
| Interest expense | 469,000 | 925,000 | 1,347,000 | 1,763,000 |
| Net interest income | 994,000 | 2,025,000 | 3,205,000 | 4,342,000 |
| Noninterest income | 328,000 | 673,000 | 1,038,000 | 1,348,000 |
| Noninterest expense | 967,000 | 2,037,000 | 3,160,000 | 4,314,000 |
| Provision for loan losses | 110,000 | 623,000 | 748,000 | 1,144,000 |
| Pretax income | 245,000 | 38,000 | 335,000 | 232,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 245,000 | 38,000 | 335,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,138,000 | 10,962,000 | 11,291,000 | 11,219,000 |
| Total capital | 12,129,000 | 11,801,000 | 12,204,000 | 12,167,000 |
| Risk-weighted assets | 83,384,000 | 81,445,000 | 82,373,000 | 87,468,000 |