Call reports 2003
JEFFERSON BANK, THE — 2003
What JEFFERSON BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,711,000 | 40,066,000 | 40,628,000 | 40,243,000 |
| Total loans | 23,841,000 | 26,597,000 | 27,702,000 | 23,444,000 |
| Allowance for loan losses | 364,000 | 364,000 | 420,000 | 1,115,000 |
| Securities available for sale | 9,687,000 | 9,730,000 | 9,057,000 | 9,252,000 |
| Securities held to maturity | 151,000 | 151,000 | 151,000 | 151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,192,000 | 35,473,000 | 35,876,000 | 37,077,000 |
| Interest-bearing deposits | 30,396,000 | 30,613,000 | 30,490,000 | 31,605,000 |
| Noninterest-bearing deposits | 4,796,000 | 4,860,000 | 5,386,000 | 5,472,000 |
| Equity capital | 3,403,000 | 3,514,000 | 3,562,000 | 2,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 1,070,000 | 1,677,000 | 2,117,000 |
| Interest expense | 195,000 | 378,000 | 548,000 | 715,000 |
| Net interest income | 290,000 | 692,000 | 1,129,000 | 1,402,000 |
| Noninterest income | 69,000 | 121,000 | 187,000 | 250,000 |
| Noninterest expense | 293,000 | 585,000 | 881,000 | 1,238,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 1,549,000 |
| Pretax income | 66,000 | 203,000 | 360,000 | -1,144,000 |
| Income tax | 37,000 | 67,000 | 138,000 | 0 |
| Net income | 29,000 | 136,000 | 222,000 | -1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,310,000 | 3,417,000 | 3,503,000 | 2,137,000 |
| Total capital | 3,550,000 | 3,781,000 | 3,889,000 | 2,483,000 |
| Risk-weighted assets | 19,079,000 | 29,591,000 | 30,884,000 | 26,358,000 |
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