Call reports 2001
CITIZENS BANK OF JESSAMINE COUNTY — 2001
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 131,267,000 | 130,208,000 | 130,700,000 | 129,279,000 |
| Total loans | 106,214,000 | 109,128,000 | 108,870,000 | 106,211,000 |
| Allowance for loan losses | 813,000 | 770,000 | 833,000 | 757,000 |
| Securities available for sale | 9,978,000 | 10,382,000 | 11,611,000 | 10,531,000 |
| Securities held to maturity | 0 | 0 | 543,000 | 541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,559,000 | 116,663,000 | 117,029,000 | 116,286,000 |
| Interest-bearing deposits | 102,919,000 | 102,520,000 | 100,935,000 | 100,238,000 |
| Noninterest-bearing deposits | 14,640,000 | 14,143,000 | 16,094,000 | 16,048,000 |
| Equity capital | 8,875,000 | 9,186,000 | 9,577,000 | 9,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,571,000 | 5,207,000 | 7,744,000 | 10,301,000 |
| Interest expense | 1,458,000 | 2,883,000 | 4,227,000 | 5,339,000 |
| Net interest income | 1,113,000 | 2,324,000 | 3,517,000 | 4,962,000 |
| Noninterest income | 213,000 | 454,000 | 694,000 | 934,000 |
| Noninterest expense | 832,000 | 1,686,000 | 2,528,000 | 3,431,000 |
| Provision for loan losses | 75,000 | 175,000 | 325,000 | 475,000 |
| Pretax income | 419,000 | 917,000 | 1,358,000 | 1,990,000 |
| Income tax | 144,000 | 321,000 | 471,000 | 635,000 |
| Net income | 275,000 | 596,000 | 887,000 | 1,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,741,000 | 9,047,000 | 9,385,000 | 9,843,000 |
| Total capital | 9,554,000 | 9,817,000 | 10,218,000 | 10,600,000 |
| Risk-weighted assets | 93,698,000 | 97,045,000 | 98,351,000 | 96,421,000 |