Call reports 2015
JEFFERSON BANK OF FLORIDA — 2015
What JEFFERSON BANK OF FLORIDA 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 | 231,773,000 | 229,611,000 | 248,583,000 | 258,234,000 |
| Total loans | 154,021,000 | 161,499,000 | 173,460,000 | 175,723,000 |
| Allowance for loan losses | 1,959,000 | 1,959,000 | 1,959,000 | 1,959,000 |
| Securities available for sale | 55,766,000 | 53,228,000 | 52,191,000 | 51,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,777,000 | 179,235,000 | 195,157,000 | 216,057,000 |
| Interest-bearing deposits | 125,027,000 | 128,917,000 | 138,570,000 | 148,475,000 |
| Noninterest-bearing deposits | 51,750,000 | 50,318,000 | 56,587,000 | 67,582,000 |
| Equity capital | 24,757,000 | 24,962,000 | 25,619,000 | 25,655,000 |
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 | 1,965,000 | 4,101,000 | 6,304,000 | 8,577,000 |
| Interest expense | 167,000 | 336,000 | 507,000 | 686,000 |
| Net interest income | 1,798,000 | 3,765,000 | 5,797,000 | 7,891,000 |
| Noninterest income | 260,000 | 461,000 | 630,000 | 803,000 |
| Noninterest expense | 1,600,000 | 3,195,000 | 4,844,000 | 6,555,000 |
| Provision for loan losses | 0 | -173,000 | -173,000 | -173,000 |
| Pretax income | 458,000 | 1,204,000 | 1,756,000 | 2,312,000 |
| Income tax | 175,000 | 459,000 | 670,000 | 883,000 |
| Net income | 283,000 | 745,000 | 1,086,000 | 1,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,727,000 | 26,191,000 | 26,394,000 | 26,744,000 |
| Total capital | 27,632,000 | 28,188,000 | 28,469,000 | 28,819,000 |
| Risk-weighted assets | 152,295,000 | 159,691,000 | 173,233,000 | 177,759,000 |