Call reports 2006
CITIZENS BANK OF JESSAMINE COUNTY — 2006
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 156,854,000 | 153,128,000 | 156,555,000 | 172,638,000 |
| Total loans | 127,564,000 | 120,958,000 | 120,951,000 | 121,593,000 |
| Allowance for loan losses | 1,409,000 | 1,277,000 | 1,150,000 | 1,244,000 |
| Securities available for sale | 14,389,000 | 14,243,000 | 12,500,000 | 12,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,497,000 | 135,300,000 | 139,441,000 | 135,894,000 |
| Interest-bearing deposits | 112,193,000 | 112,193,000 | 114,997,000 | 113,909,000 |
| Noninterest-bearing deposits | 26,304,000 | 23,107,000 | 24,444,000 | 21,985,000 |
| Equity capital | 13,558,000 | 13,734,000 | 12,592,000 | 30,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,361,000 | 4,803,000 | 7,348,000 | 2,628,000 |
| Interest expense | 956,000 | 1,993,000 | 3,128,000 | 1,221,000 |
| Net interest income | 1,405,000 | 2,810,000 | 4,220,000 | 1,407,000 |
| Noninterest income | 357,000 | 768,000 | 1,144,000 | 383,000 |
| Noninterest expense | 1,175,000 | 2,324,000 | 5,298,000 | 1,271,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 196,000 |
| Pretax income | 512,000 | 1,104,000 | -159,000 | 323,000 |
| Income tax | 172,000 | 377,000 | -115,000 | 92,000 |
| Net income | 340,000 | 727,000 | -44,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,813,000 | 14,075,000 | 12,758,000 | 11,429,000 |
| Total capital | 15,222,000 | 15,352,000 | 13,908,000 | 12,673,000 |
| Risk-weighted assets | 121,799,000 | 117,065,000 | 119,039,000 | 120,328,000 |