Call reports 2016
CITIZENS BANK & TRUST CO. OF JACKSON — 2016
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,256,000 | 150,445,000 | 152,530,000 | 149,981,000 |
| Total loans | 116,234,000 | 116,892,000 | 121,431,000 | 120,002,000 |
| Allowance for loan losses | 1,003,000 | 1,164,000 | 1,231,000 | 2,513,000 |
| Securities available for sale | 8,667,000 | 8,668,000 | 8,690,000 | 8,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,553,000 | 134,209,000 | 133,069,000 | 132,666,000 |
| Interest-bearing deposits | 119,184,000 | 117,441,000 | 116,043,000 | 116,216,000 |
| Noninterest-bearing deposits | 16,369,000 | 16,768,000 | 17,026,000 | 16,450,000 |
| Equity capital | 14,650,000 | 14,697,000 | 15,058,000 | 13,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,135,000 | 4,725,000 | 6,338,000 |
| Interest expense | 224,000 | 441,000 | 658,000 | 875,000 |
| Net interest income | 1,312,000 | 2,694,000 | 4,067,000 | 5,463,000 |
| Noninterest income | 377,000 | 783,000 | 1,181,000 | 1,573,000 |
| Noninterest expense | 1,332,000 | 2,628,000 | 3,941,000 | 5,288,000 |
| Provision for loan losses | 123,000 | 335,000 | 425,000 | 2,545,000 |
| Pretax income | 234,000 | 514,000 | 882,000 | -797,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 514,000 | 882,000 | -797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,465,000 | 12,495,000 | 12,863,000 | 11,084,000 |
| Total capital | 13,468,000 | 13,659,000 | 14,094,000 | 12,571,000 |
| Risk-weighted assets | 116,660,000 | 116,932,000 | 121,755,000 | 117,968,000 |