Call reports 2002
CITIZENS BANK OF JESSAMINE COUNTY — 2002
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 129,928,000 | 133,358,000 | 139,835,000 | 136,752,000 |
| Total loans | 107,931,000 | 108,283,000 | 110,961,000 | 113,959,000 |
| Allowance for loan losses | 902,000 | 1,005,000 | 1,034,000 | 1,091,000 |
| Securities available for sale | 10,126,000 | 9,990,000 | 8,797,000 | 10,963,000 |
| Securities held to maturity | 539,000 | 538,000 | 538,000 | 536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,917,000 | 114,525,000 | 121,959,000 | 118,408,000 |
| Interest-bearing deposits | 98,544,000 | 97,680,000 | 103,685,000 | 100,720,000 |
| Noninterest-bearing deposits | 17,373,000 | 16,845,000 | 18,274,000 | 17,688,000 |
| Equity capital | 9,667,000 | 9,939,000 | 10,309,000 | 10,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,323,000 | 4,674,000 | 6,839,000 | 9,161,000 |
| Interest expense | 931,000 | 1,794,000 | 2,671,000 | 3,495,000 |
| Net interest income | 1,392,000 | 2,880,000 | 4,168,000 | 5,666,000 |
| Noninterest income | 247,000 | 466,000 | 709,000 | 982,000 |
| Noninterest expense | 942,000 | 1,842,000 | 2,782,000 | 3,822,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 547,000 | 1,204,000 | 1,649,000 | 2,231,000 |
| Income tax | 186,000 | 409,000 | 568,000 | 714,000 |
| Net income | 361,000 | 795,000 | 1,081,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,624,000 | 9,775,000 | 10,061,000 | 10,372,000 |
| Total capital | 10,526,000 | 10,780,000 | 11,095,000 | 11,463,000 |
| Risk-weighted assets | 96,888,000 | 98,248,000 | 102,544,000 | 105,453,000 |