Call reports 2010
CITIZENS BANK & TRUST CO. OF JACKSON — 2010
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,679,000 | 112,879,000 | 112,902,000 | 115,506,000 |
| Total loans | 84,229,000 | 86,765,000 | 87,657,000 | 86,060,000 |
| Allowance for loan losses | 983,000 | 1,076,000 | 929,000 | 479,000 |
| Securities available for sale | 9,351,000 | 6,960,000 | 5,964,000 | 9,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,109,000 | 92,542,000 | 92,519,000 | 95,085,000 |
| Interest-bearing deposits | 80,919,000 | 79,451,000 | 81,838,000 | 84,337,000 |
| Noninterest-bearing deposits | 11,190,000 | 13,091,000 | 10,681,000 | 10,748,000 |
| Equity capital | 13,982,000 | 14,002,000 | 14,204,000 | 14,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,508,000 | 3,066,000 | 4,640,000 | 6,224,000 |
| Interest expense | 395,000 | 778,000 | 1,153,000 | 1,508,000 |
| Net interest income | 1,113,000 | 2,288,000 | 3,487,000 | 4,716,000 |
| Noninterest income | 505,000 | 870,000 | 1,228,000 | 1,583,000 |
| Noninterest expense | 1,125,000 | 2,275,000 | 3,427,000 | 4,725,000 |
| Provision for loan losses | 62,000 | 125,000 | 157,000 | 57,000 |
| Pretax income | 431,000 | 758,000 | 1,131,000 | 1,517,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 431,000 | 758,000 | 1,131,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,677,000 | 11,798,000 | 11,934,000 | 12,223,000 |
| Total capital | 12,660,000 | 12,874,000 | 12,863,000 | 12,702,000 |
| Risk-weighted assets | 87,301,000 | 89,524,000 | 89,939,000 | 90,602,000 |