Call reports 2008
CITIZENS BANK OF JESSAMINE COUNTY — 2008
What CITIZENS BANK OF JESSAMINE COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 218,319,000 | 209,218,000 | 219,100,000 |
| Total loans | 128,053,000 | 131,516,000 | 131,765,000 |
| Allowance for loan losses | 1,478,000 | 1,540,000 | 1,456,000 |
| Securities available for sale | 49,271,000 | 46,789,000 | 45,949,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 145,937,000 | 138,975,000 | 149,332,000 |
| Interest-bearing deposits | 124,271,000 | 115,878,000 | 123,878,000 |
| Noninterest-bearing deposits | 21,666,000 | 23,097,000 | 25,454,000 |
| Equity capital | 31,276,000 | 30,377,000 | 30,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 3,188,000 | 6,128,000 | 9,003,000 |
| Interest expense | 1,566,000 | 2,903,000 | 4,203,000 |
| Net interest income | 1,622,000 | 3,225,000 | 4,800,000 |
| Noninterest income | 384,000 | 737,000 | 1,128,000 |
| Noninterest expense | 1,445,000 | 2,808,000 | 4,209,000 |
| Provision for loan losses | 175,000 | 243,000 | 265,000 |
| Pretax income | 386,000 | 931,000 | 305,000 |
| Income tax | 101,000 | 241,000 | 16,000 |
| Net income | 285,000 | 690,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 12,998,000 | 13,007,000 | 12,825,000 |
| Total capital | 14,476,000 | 14,547,000 | 14,281,000 |
| Risk-weighted assets | 132,125,000 | 131,265,000 | 132,478,000 |