Call reports 2004
CITIZENS BANK OF JESSAMINE COUNTY — 2004
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 141,279,000 | 141,131,000 | 145,935,000 | 145,750,000 |
| Total loans | 105,580,000 | 106,757,000 | 116,698,000 | 124,482,000 |
| Allowance for loan losses | 1,025,000 | 977,000 | 1,104,000 | 1,228,000 |
| Securities available for sale | 16,919,000 | 20,704,000 | 18,827,000 | 12,273,000 |
| Securities held to maturity | 523,000 | 520,000 | 517,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,262,000 | 125,732,000 | 121,738,000 | 121,497,000 |
| Interest-bearing deposits | 103,049,000 | 105,388,000 | 100,054,000 | 100,800,000 |
| Noninterest-bearing deposits | 20,213,000 | 20,344,000 | 21,684,000 | 20,697,000 |
| Equity capital | 12,175,000 | 12,031,000 | 12,596,000 | 12,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,919,000 | 5,996,000 | 8,086,000 |
| Interest expense | 590,000 | 1,201,000 | 1,792,000 | 2,395,000 |
| Net interest income | 1,371,000 | 2,718,000 | 4,204,000 | 5,691,000 |
| Noninterest income | 361,000 | 794,000 | 1,217,000 | 1,666,000 |
| Noninterest expense | 1,044,000 | 2,145,000 | 3,285,000 | 4,541,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 642,000 |
| Pretax income | 530,000 | 1,059,000 | 1,685,000 | 2,167,000 |
| Income tax | 177,000 | 360,000 | 573,000 | 667,000 |
| Net income | 353,000 | 699,000 | 1,112,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,029,000 | 12,375,000 | 12,588,000 | 12,495,000 |
| Total capital | 13,054,000 | 13,352,000 | 13,692,000 | 13,723,000 |
| Risk-weighted assets | 101,089,000 | 102,168,000 | 111,705,000 | 117,615,000 |