Call reports 2003
CITIZENS BANK OF JESSAMINE COUNTY — 2003
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 141,858,000 | 142,586,000 | 138,131,000 | 137,461,000 |
| Total loans | 113,802,000 | 111,163,000 | 108,687,000 | 107,720,000 |
| Allowance for loan losses | 1,075,000 | 933,000 | 911,000 | 890,000 |
| Securities available for sale | 9,732,000 | 9,777,000 | 13,147,000 | 13,327,000 |
| Securities held to maturity | 533,000 | 531,000 | 528,000 | 525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,425,000 | 127,211,000 | 123,317,000 | 120,566,000 |
| Interest-bearing deposits | 102,031,000 | 104,417,000 | 99,748,000 | 99,891,000 |
| Noninterest-bearing deposits | 20,394,000 | 22,794,000 | 23,569,000 | 20,675,000 |
| Equity capital | 10,900,000 | 11,391,000 | 11,524,000 | 11,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,167,000 | 4,287,000 | 6,350,000 | 8,342,000 |
| Interest expense | 745,000 | 1,480,000 | 2,123,000 | 2,684,000 |
| Net interest income | 1,422,000 | 2,807,000 | 4,227,000 | 5,658,000 |
| Noninterest income | 327,000 | 691,000 | 1,063,000 | 1,448,000 |
| Noninterest expense | 1,020,000 | 2,010,000 | 3,069,000 | 4,261,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 579,000 | 1,188,000 | 1,771,000 | 2,245,000 |
| Income tax | 193,000 | 403,000 | 600,000 | 726,000 |
| Net income | 386,000 | 785,000 | 1,171,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,753,000 | 11,152,000 | 11,538,000 | 11,686,000 |
| Total capital | 11,828,000 | 12,085,000 | 12,449,000 | 12,576,000 |
| Risk-weighted assets | 106,914,000 | 105,650,000 | 103,077,000 | 103,751,000 |