Call reports 2015
CITIZENS BANK & TRUST CO. OF JACKSON — 2015
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 150,626,000 | 156,252,000 | 152,299,000 | 152,360,000 |
| Total loans | 113,334,000 | 115,604,000 | 119,473,000 | 116,228,000 |
| Allowance for loan losses | 799,000 | 761,000 | 1,057,000 | 1,096,000 |
| Securities available for sale | 9,160,000 | 17,417,000 | 15,428,000 | 8,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,336,000 | 139,370,000 | 133,133,000 | 135,746,000 |
| Interest-bearing deposits | 118,493,000 | 125,890,000 | 118,189,000 | 119,413,000 |
| Noninterest-bearing deposits | 14,843,000 | 13,480,000 | 14,944,000 | 16,333,000 |
| Equity capital | 15,114,000 | 14,698,000 | 14,818,000 | 14,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,154,000 | 4,828,000 | 6,464,000 |
| Interest expense | 211,000 | 430,000 | 652,000 | 881,000 |
| Net interest income | 1,351,000 | 2,724,000 | 4,176,000 | 5,583,000 |
| Noninterest income | 371,000 | 817,000 | 1,217,000 | 1,583,000 |
| Noninterest expense | 1,399,000 | 2,851,000 | 4,262,000 | 5,699,000 |
| Provision for loan losses | 45,000 | 90,000 | 420,000 | 810,000 |
| Pretax income | 278,000 | 600,000 | 710,000 | 656,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 278,000 | 600,000 | 710,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,918,000 | 12,505,000 | 12,615,000 | 12,306,000 |
| Total capital | 13,717,000 | 13,266,000 | 13,672,000 | 13,402,000 |
| Risk-weighted assets | 131,336,000 | 121,799,000 | 121,942,000 | 118,366,000 |