Call reports 2007
CITIZENS BANK OF JESSAMINE COUNTY — 2007
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,938,000 | 181,109,000 | 187,033,000 | 218,470,000 |
| Total loans | 120,593,000 | 124,176,000 | 126,527,000 | 126,942,000 |
| Allowance for loan losses | 1,214,000 | 1,237,000 | 1,231,000 | 1,341,000 |
| Securities available for sale | 11,788,000 | 17,471,000 | 17,606,000 | 48,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,744,000 | 145,493,000 | 145,376,000 | 147,278,000 |
| Interest-bearing deposits | 115,361,000 | 121,880,000 | 122,748,000 | 126,654,000 |
| Noninterest-bearing deposits | 24,383,000 | 23,613,000 | 22,628,000 | 20,624,000 |
| Equity capital | 30,318,000 | 29,826,000 | 30,218,000 | 30,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,576,000 | 5,316,000 | 8,209,000 | 11,232,000 |
| Interest expense | 1,214,000 | 2,531,000 | 3,890,000 | 5,411,000 |
| Net interest income | 1,362,000 | 2,785,000 | 4,319,000 | 5,821,000 |
| Noninterest income | 364,000 | 772,000 | 1,154,000 | 1,516,000 |
| Noninterest expense | 1,421,000 | 2,866,000 | 4,344,000 | 5,847,000 |
| Provision for loan losses | -30,000 | 101,000 | 171,000 | 427,000 |
| Pretax income | 335,000 | 590,000 | 958,000 | 1,063,000 |
| Income tax | 104,000 | 189,000 | 301,000 | 341,000 |
| Net income | 231,000 | 401,000 | 657,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,835,000 | 11,731,000 | 12,273,000 | 12,572,000 |
| Total capital | 13,049,000 | 12,969,000 | 13,504,000 | 13,913,000 |
| Risk-weighted assets | 119,240,000 | 123,430,000 | 128,500,000 | 131,027,000 |