Call reports 2012
CITIZENS BANK & TRUST CO. OF JACKSON — 2012
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,818,000 | 126,663,000 | 130,518,000 | 127,535,000 |
| Total loans | 92,992,000 | 95,468,000 | 95,450,000 | 95,489,000 |
| Allowance for loan losses | 743,000 | 788,000 | 813,000 | 843,000 |
| Securities available for sale | 10,061,000 | 8,990,000 | 9,454,000 | 8,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,661,000 | 108,604,000 | 112,154,000 | 109,469,000 |
| Interest-bearing deposits | 99,085,000 | 97,063,000 | 99,500,000 | 97,316,000 |
| Noninterest-bearing deposits | 12,576,000 | 11,541,000 | 12,654,000 | 12,153,000 |
| Equity capital | 13,950,000 | 13,840,000 | 14,162,000 | 14,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,600,000 | 3,202,000 | 4,780,000 | 6,298,000 |
| Interest expense | 292,000 | 573,000 | 848,000 | 1,108,000 |
| Net interest income | 1,308,000 | 2,629,000 | 3,932,000 | 5,190,000 |
| Noninterest income | 481,000 | 846,000 | 1,172,000 | 1,572,000 |
| Noninterest expense | 1,318,000 | 2,630,000 | 3,881,000 | 4,984,000 |
| Provision for loan losses | 160,000 | 220,000 | 280,000 | 378,000 |
| Pretax income | 311,000 | 625,000 | 943,000 | 1,400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 625,000 | 943,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,743,000 | 11,657,000 | 11,975,000 | 12,332,000 |
| Total capital | 12,486,000 | 12,445,000 | 12,788,000 | 13,175,000 |
| Risk-weighted assets | 100,384,000 | 101,952,000 | 102,292,000 | 102,916,000 |