Call reports 2014
CITIZENS BANK & TRUST CO. OF JACKSON — 2014
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,957,000 | 134,579,000 | 139,890,000 | 143,090,000 |
| Total loans | 96,430,000 | 101,828,000 | 106,423,000 | 112,053,000 |
| Allowance for loan losses | 917,000 | 904,000 | 910,000 | 921,000 |
| Securities available for sale | 9,756,000 | 9,158,000 | 9,200,000 | 9,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,007,000 | 117,992,000 | 122,946,000 | 126,020,000 |
| Interest-bearing deposits | 105,740,000 | 104,903,000 | 109,464,000 | 111,930,000 |
| Noninterest-bearing deposits | 12,267,000 | 13,089,000 | 13,482,000 | 14,090,000 |
| Equity capital | 14,662,000 | 14,272,000 | 14,545,000 | 14,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,072,000 | 4,675,000 | 6,324,000 |
| Interest expense | 216,000 | 428,000 | 636,000 | 840,000 |
| Net interest income | 1,346,000 | 2,644,000 | 4,039,000 | 5,484,000 |
| Noninterest income | 347,000 | 732,000 | 1,086,000 | 1,433,000 |
| Noninterest expense | 1,388,000 | 2,744,000 | 4,133,000 | 5,490,000 |
| Provision for loan losses | 75,000 | 125,000 | 170,000 | 215,000 |
| Pretax income | 230,000 | 507,000 | 822,000 | 1,212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | 507,000 | 822,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,492,000 | 12,089,000 | 12,373,000 | 12,640,000 |
| Total capital | 13,409,000 | 12,993,000 | 13,283,000 | 13,561,000 |
| Risk-weighted assets | 101,802,000 | 107,183,000 | 108,626,000 | 116,789,000 |