Call reports 2013
CITIZENS BANK & TRUST CO. OF JACKSON — 2013
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,504,000 | 131,054,000 | 127,411,000 | 131,362,000 |
| Total loans | 96,192,000 | 94,240,000 | 94,285,000 | 96,318,000 |
| Allowance for loan losses | 909,000 | 947,000 | 919,000 | 871,000 |
| Securities available for sale | 9,136,000 | 8,590,000 | 9,680,000 | 9,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,455,000 | 113,519,000 | 110,508,000 | 114,361,000 |
| Interest-bearing deposits | 101,084,000 | 100,551,000 | 96,970,000 | 101,324,000 |
| Noninterest-bearing deposits | 14,371,000 | 12,968,000 | 13,538,000 | 13,037,000 |
| Equity capital | 14,666,000 | 14,136,000 | 14,430,000 | 14,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,526,000 | 3,039,000 | 4,575,000 | 6,094,000 |
| Interest expense | 246,000 | 489,000 | 721,000 | 938,000 |
| Net interest income | 1,280,000 | 2,550,000 | 3,854,000 | 5,156,000 |
| Noninterest income | 355,000 | 712,000 | 1,052,000 | 1,421,000 |
| Noninterest expense | 1,185,000 | 2,406,000 | 3,693,000 | 5,079,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 294,000 |
| Pretax income | 321,000 | 652,000 | 934,000 | 1,150,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 652,000 | 934,000 | 1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,473,000 | 11,959,000 | 12,241,000 | 12,457,000 |
| Total capital | 13,382,000 | 12,906,000 | 13,160,000 | 13,328,000 |
| Risk-weighted assets | 101,946,000 | 99,901,000 | 100,051,000 | 100,854,000 |