Call reports 2004
JEWETT CITY SAVINGS BANK — 2004
What JEWETT CITY 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 | 214,845,000 | 217,616,000 | 218,916,000 | 219,246,000 |
| Total loans | 115,906,000 | 115,159,000 | 114,311,000 | 114,473,000 |
| Allowance for loan losses | 1,612,000 | 1,612,000 | 1,612,000 | 1,613,000 |
| Securities available for sale | 82,178,000 | 85,781,000 | 84,307,000 | 85,285,000 |
| Securities held to maturity | 4,933,000 | 4,488,000 | 8,977,000 | 7,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,058,000 | 180,314,000 | 180,813,000 | 180,867,000 |
| Interest-bearing deposits | 158,788,000 | 160,864,000 | 160,801,000 | 161,544,000 |
| Noninterest-bearing deposits | 18,269,000 | 19,450,000 | 20,012,000 | 19,323,000 |
| Equity capital | 27,675,000 | 27,438,000 | 28,327,000 | 28,881,000 |
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 | 3,026,000 | 6,011,000 | 8,979,000 | 11,977,000 |
| Interest expense | 779,000 | 1,525,000 | 2,296,000 | 3,091,000 |
| Net interest income | 2,247,000 | 4,486,000 | 6,683,000 | 8,886,000 |
| Noninterest income | 202,000 | 455,000 | 662,000 | 851,000 |
| Noninterest expense | 1,739,000 | 3,339,000 | 4,931,000 | 6,558,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 815,000 | 1,828,000 | 2,679,000 | 3,542,000 |
| Income tax | 265,000 | 652,000 | 969,000 | 1,267,000 |
| Net income | 550,000 | 1,176,000 | 1,710,000 | 2,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,073,000 | 25,707,000 | 26,246,000 | 26,817,000 |
| Total capital | 26,793,000 | 27,345,000 | 27,827,000 | 28,534,000 |
| Risk-weighted assets | 125,092,000 | 122,385,000 | 118,584,000 | 119,907,000 |
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