Call reports 2004
JACKSONVILLE SAVINGS BANK — 2004
What JACKSONVILLE SAVINGS BANK 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 | 265,242,000 | 265,823,000 | 259,838,000 | 253,317,000 |
| Total loans | 130,081,000 | 130,567,000 | 127,363,000 | 127,946,000 |
| Allowance for loan losses | 2,196,000 | 2,093,000 | 2,171,000 | 1,888,000 |
| Securities available for sale | 109,187,000 | 113,091,000 | 109,835,000 | 99,796,000 |
| Securities held to maturity | 539,000 | 531,000 | 530,000 | 535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,837,000 | 236,658,000 | 226,485,000 | 226,211,000 |
| Interest-bearing deposits | 226,559,000 | 223,542,000 | 214,703,000 | 211,653,000 |
| Noninterest-bearing deposits | 12,278,000 | 13,116,000 | 11,782,000 | 14,558,000 |
| Equity capital | 20,769,000 | 19,068,000 | 20,561,000 | 20,522,000 |
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 | 3,082,000 | 6,168,000 | 9,292,000 | 12,290,000 |
| Interest expense | 1,152,000 | 2,322,000 | 3,472,000 | 4,601,000 |
| Net interest income | 1,930,000 | 3,846,000 | 5,820,000 | 7,689,000 |
| Noninterest income | 519,000 | 1,095,000 | 1,639,000 | 2,118,000 |
| Noninterest expense | 1,998,000 | 3,900,000 | 5,858,000 | 7,765,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 325,000 | 765,000 | 1,179,000 | 1,520,000 |
| Income tax | 121,000 | 287,000 | 442,000 | 569,000 |
| Net income | 204,000 | 478,000 | 737,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,179,000 | 17,406,000 | 17,616,000 | 17,779,000 |
| Total capital | 18,974,000 | 19,209,000 | 19,380,000 | 19,521,000 |
| Risk-weighted assets | 143,189,000 | 143,985,000 | 140,743,000 | 139,232,000 |
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