Call reports 2005
CITIZENS BANK OF JESSAMINE COUNTY — 2005
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,793,000 | 155,174,000 | 156,234,000 | 153,322,000 |
| Total loans | 128,013,000 | 128,062,000 | 128,046,000 | 126,303,000 |
| Allowance for loan losses | 1,375,000 | 1,511,000 | 1,575,000 | 1,346,000 |
| Securities available for sale | 12,055,000 | 12,774,000 | 14,560,000 | 14,484,000 |
| Securities held to maturity | 512,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,335,000 | 130,759,000 | 133,724,000 | 133,413,000 |
| Interest-bearing deposits | 104,394,000 | 108,537,000 | 109,049,000 | 110,742,000 |
| Noninterest-bearing deposits | 20,941,000 | 22,222,000 | 24,675,000 | 22,671,000 |
| Equity capital | 12,609,000 | 12,966,000 | 13,224,000 | 13,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,115,000 | 4,361,000 | 6,657,000 | 8,962,000 |
| Interest expense | 696,000 | 1,482,000 | 2,363,000 | 3,281,000 |
| Net interest income | 1,419,000 | 2,879,000 | 4,294,000 | 5,681,000 |
| Noninterest income | 384,000 | 796,000 | 1,199,000 | 1,568,000 |
| Noninterest expense | 1,148,000 | 2,301,000 | 3,468,000 | 4,634,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 505,000 | 1,075,000 | 1,651,000 | 2,166,000 |
| Income tax | 166,000 | 357,000 | 554,000 | 729,000 |
| Net income | 339,000 | 718,000 | 1,097,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,829,000 | 12,996,000 | 13,375,000 | 13,504,000 |
| Total capital | 14,204,000 | 14,507,000 | 14,881,000 | 14,850,000 |
| Risk-weighted assets | 119,963,000 | 120,945,000 | 120,397,000 | 118,914,000 |