Call reports 2015
JACKSONVILLE SAVINGS BANK — 2015
What JACKSONVILLE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 306,395,000 | 305,824,000 | 306,186,000 | 308,611,000 |
| Total loans | 188,629,000 | 188,018,000 | 193,253,000 | 196,499,000 |
| Allowance for loan losses | 2,971,000 | 2,923,000 | 2,918,000 | 2,920,000 |
| Securities available for sale | 89,571,000 | 89,580,000 | 87,957,000 | 87,473,000 |
| Securities held to maturity | 26,000 | 23,000 | 18,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,920,000 | 242,684,000 | 236,793,000 | 245,073,000 |
| Interest-bearing deposits | 217,572,000 | 212,433,000 | 207,836,000 | 212,729,000 |
| Noninterest-bearing deposits | 31,348,000 | 30,251,000 | 28,957,000 | 32,344,000 |
| Equity capital | 42,365,000 | 42,310,000 | 43,591,000 | 42,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,901,000 | 5,761,000 | 8,591,000 | 11,515,000 |
| Interest expense | 317,000 | 613,000 | 883,000 | 1,139,000 |
| Net interest income | 2,584,000 | 5,148,000 | 7,708,000 | 10,376,000 |
| Noninterest income | 893,000 | 1,889,000 | 2,842,000 | 3,904,000 |
| Noninterest expense | 2,405,000 | 4,763,000 | 7,271,000 | 10,018,000 |
| Provision for loan losses | 30,000 | 65,000 | 110,000 | 140,000 |
| Pretax income | 1,175,000 | 2,421,000 | 3,436,000 | 4,443,000 |
| Income tax | 330,000 | 687,000 | 952,000 | 1,204,000 |
| Net income | 845,000 | 1,734,000 | 2,484,000 | 3,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,434,000 | 39,338,000 | 40,104,000 | 38,912,000 |
| Total capital | 41,080,000 | 42,010,000 | 42,821,000 | 41,631,000 |
| Risk-weighted assets | 211,421,000 | 213,509,000 | 217,145,000 | 217,343,000 |