Call reports 2011
CITIZENS BANK & TRUST CO. OF JACKSON — 2011
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 121,863,000 | 120,189,000 | 122,140,000 | 127,445,000 |
| Total loans | 85,253,000 | 86,151,000 | 89,181,000 | 95,250,000 |
| Allowance for loan losses | 516,000 | 481,000 | 554,000 | 589,000 |
| Securities available for sale | 11,018,000 | 10,551,000 | 9,493,000 | 10,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,784,000 | 100,152,000 | 103,641,000 | 109,381,000 |
| Interest-bearing deposits | 90,450,000 | 89,316,000 | 92,349,000 | 96,644,000 |
| Noninterest-bearing deposits | 11,334,000 | 10,836,000 | 11,292,000 | 12,737,000 |
| Equity capital | 14,159,000 | 14,118,000 | 14,125,000 | 13,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 3,074,000 | 4,611,000 | 6,201,000 |
| Interest expense | 358,000 | 720,000 | 1,059,000 | 1,363,000 |
| Net interest income | 1,179,000 | 2,354,000 | 3,552,000 | 4,838,000 |
| Noninterest income | 429,000 | 787,000 | 1,149,000 | 1,510,000 |
| Noninterest expense | 1,234,000 | 2,393,000 | 3,620,000 | 4,952,000 |
| Provision for loan losses | 45,000 | 93,000 | 176,000 | 596,000 |
| Pretax income | 329,000 | 655,000 | 905,000 | 800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 329,000 | 655,000 | 905,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,961,000 | 11,887,000 | 11,937,000 | 11,632,000 |
| Total capital | 12,477,000 | 12,368,000 | 12,491,000 | 12,221,000 |
| Risk-weighted assets | 90,690,000 | 91,697,000 | 95,772,000 | 100,765,000 |