Call reports 2022
CITIZENS BANK & TRUST CO. OF JACKSON — 2022
What CITIZENS BANK & TRUST CO. OF JACKSON reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 174,085,000 | 177,011,000 | 184,757,000 | 183,611,000 |
| Total loans | 112,239,000 | 122,675,000 | 127,000,000 | 136,210,000 |
| Allowance for loan losses | 1,547,000 | 1,566,000 | 1,641,000 | 2,009,000 |
| Securities available for sale | 18,469,000 | 18,189,000 | 19,711,000 | 20,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,206,000 | 160,729,000 | 168,055,000 | 165,940,000 |
| Interest-bearing deposits | 129,811,000 | 131,214,000 | 133,490,000 | 131,869,000 |
| Noninterest-bearing deposits | 28,395,000 | 29,515,000 | 34,565,000 | 34,071,000 |
| Equity capital | 15,338,000 | 15,665,000 | 16,055,000 | 17,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 3,067,000 | 4,967,000 | 7,215,000 |
| Interest expense | 86,000 | 165,000 | 241,000 | 313,000 |
| Net interest income | 1,364,000 | 2,902,000 | 4,726,000 | 6,902,000 |
| Noninterest income | 448,000 | 901,000 | 1,350,000 | 2,076,000 |
| Noninterest expense | 1,434,000 | 2,874,000 | 4,392,000 | 6,035,000 |
| Provision for loan losses | 0 | 0 | 0 | 407,000 |
| Pretax income | 378,000 | 929,000 | 1,713,000 | 2,565,000 |
| Income tax | 2,000 | 11,000 | 13,000 | 15,000 |
| Net income | 376,000 | 918,000 | 1,700,000 | 2,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,080,000 | 14,621,000 | 15,404,000 | 16,253,000 |
| Total capital | 15,372,000 | 16,039,000 | 16,916,000 | 17,857,000 |
| Risk-weighted assets | 103,180,000 | 113,363,000 | 120,906,000 | 127,937,000 |