Call reports 2004
JEFFERSON BANK, THE — 2004
What JEFFERSON BANK, THE 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 | 40,256,000 | 38,374,000 | 38,666,000 | 37,642,000 |
| Total loans | 19,493,000 | 21,867,000 | 21,590,000 | 21,101,000 |
| Allowance for loan losses | 1,294,000 | 1,481,000 | 813,000 | 808,000 |
| Securities available for sale | 13,178,000 | 14,657,000 | 14,279,000 | 14,493,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,949,000 | 33,962,000 | 32,403,000 | 29,955,000 |
| Interest-bearing deposits | 31,673,000 | 28,946,000 | 27,387,000 | 24,242,000 |
| Noninterest-bearing deposits | 5,276,000 | 5,016,000 | 5,016,000 | 5,713,000 |
| Equity capital | 2,292,000 | 2,264,000 | 3,041,000 | 3,281,000 |
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 | 492,000 | 1,031,000 | 1,613,000 | 2,045,000 |
| Interest expense | 160,000 | 306,000 | 453,000 | 592,000 |
| Net interest income | 332,000 | 725,000 | 1,160,000 | 1,453,000 |
| Noninterest income | 56,000 | 116,000 | 356,000 | 431,000 |
| Noninterest expense | 333,000 | 675,000 | 1,038,000 | 1,321,000 |
| Provision for loan losses | 0 | 0 | -730,000 | -730,000 |
| Pretax income | 61,000 | 172,000 | 1,214,000 | 1,301,000 |
| Income tax | 12,000 | 114,000 | 241,000 | 270,000 |
| Net income | 49,000 | 58,000 | 973,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,186,000 | 2,322,000 | 3,289,000 | 3,347,000 |
| Total capital | 2,516,000 | 2,658,000 | 3,529,000 | 3,587,000 |
| Risk-weighted assets | 25,212,000 | 25,854,000 | 18,387,000 | 18,622,000 |