Call reports 2004
JAMESTOWN SAVINGS BANK — 2004
What JAMESTOWN 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 | 371,383,000 | 385,406,000 | 408,588,000 | 419,150,000 |
| Total loans | 207,994,000 | 227,782,000 | 244,305,000 | 250,143,000 |
| Allowance for loan losses | 1,958,000 | 2,043,000 | 2,203,000 | 2,382,000 |
| Securities available for sale | 109,880,000 | 112,589,000 | 118,009,000 | 112,104,000 |
| Securities held to maturity | 12,289,000 | 15,160,000 | 19,160,000 | 25,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,698,000 | 363,549,000 | 385,145,000 | 394,725,000 |
| Interest-bearing deposits | 332,802,000 | 344,049,000 | 361,540,000 | 369,511,000 |
| Noninterest-bearing deposits | 15,896,000 | 19,500,000 | 23,605,000 | 25,214,000 |
| Equity capital | 21,600,000 | 20,057,000 | 22,530,000 | 23,449,000 |
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 | 4,422,000 | 9,101,000 | 14,013,000 | 19,245,000 |
| Interest expense | 1,846,000 | 3,812,000 | 5,817,000 | 8,021,000 |
| Net interest income | 2,576,000 | 5,289,000 | 8,196,000 | 11,224,000 |
| Noninterest income | 296,000 | 621,000 | 997,000 | 1,344,000 |
| Noninterest expense | 1,704,000 | 3,579,000 | 5,505,000 | 7,404,000 |
| Provision for loan losses | 110,000 | 215,000 | 395,000 | 575,000 |
| Pretax income | 1,315,000 | 2,366,000 | 3,543,000 | 4,839,000 |
| Income tax | 442,000 | 742,000 | 1,107,000 | 1,514,000 |
| Net income | 873,000 | 1,624,000 | 2,436,000 | 3,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,296,000 | 21,925,000 | 22,737,000 | 23,612,000 |
| Total capital | 23,254,000 | 23,968,000 | 24,940,000 | 25,994,000 |
| Risk-weighted assets | 208,652,000 | 226,744,000 | 243,301,000 | 254,205,000 |