Call reports 2005
JEFFERSON BANK, THE — 2005
What JEFFERSON BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 36,053,000 | 39,999,000 | 41,281,000 | 41,678,000 |
| Total loans | 19,161,000 | 24,192,000 | 24,656,000 | 23,100,000 |
| Allowance for loan losses | 599,000 | 588,000 | 588,000 | 551,000 |
| Securities available for sale | 14,268,000 | 13,713,000 | 13,571,000 | 13,344,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,487,000 | 33,748,000 | 36,438,000 | 36,748,000 |
| Interest-bearing deposits | 25,534,000 | 28,919,000 | 30,551,000 | 30,696,000 |
| Noninterest-bearing deposits | 5,953,000 | 4,829,000 | 5,887,000 | 6,052,000 |
| Equity capital | 3,659,000 | 3,774,000 | 3,841,000 | 3,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,134,000 | 1,830,000 | 2,520,000 |
| Interest expense | 137,000 | 348,000 | 593,000 | 834,000 |
| Net interest income | 386,000 | 786,000 | 1,237,000 | 1,686,000 |
| Noninterest income | 59,000 | 125,000 | 206,000 | 265,000 |
| Noninterest expense | 422,000 | 820,000 | 1,229,000 | 1,681,000 |
| Provision for loan losses | -200,000 | -200,000 | -200,000 | -200,000 |
| Pretax income | 223,000 | 291,000 | 414,000 | 470,000 |
| Income tax | 2,000 | 20,000 | 54,000 | 64,000 |
| Net income | 221,000 | 271,000 | 360,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,815,000 | 3,865,000 | 3,957,000 | 3,901,000 |
| Total capital | 4,052,000 | 4,147,000 | 4,226,000 | 4,180,000 |
| Risk-weighted assets | 18,472,000 | 22,219,000 | 21,229,000 | 22,019,000 |