Call reports 2003
JEFF BANK — 2003
What JEFF BANK 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 | 318,997,000 | 331,844,000 | 360,183,000 | 351,490,000 |
| Total loans | 175,828,000 | 184,296,000 | 186,758,000 | 196,675,000 |
| Allowance for loan losses | 3,168,000 | 3,144,000 | 3,076,000 | 3,569,000 |
| Securities available for sale | 98,335,000 | 114,110,000 | 129,358,000 | 114,812,000 |
| Securities held to maturity | 4,351,000 | 4,024,000 | 6,653,000 | 5,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,267,000 | 264,108,000 | 269,054,000 | 280,340,000 |
| Interest-bearing deposits | 203,545,000 | 208,104,000 | 213,010,000 | 221,039,000 |
| Noninterest-bearing deposits | 50,722,000 | 56,004,000 | 56,044,000 | 59,301,000 |
| Equity capital | 30,421,000 | 31,886,000 | 32,069,000 | 33,191,000 |
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 | 4,915,000 | 9,833,000 | 14,927,000 | 20,048,000 |
| Interest expense | 1,058,000 | 2,081,000 | 3,095,000 | 4,051,000 |
| Net interest income | 3,857,000 | 7,752,000 | 11,832,000 | 15,997,000 |
| Noninterest income | 874,000 | 1,816,000 | 2,786,000 | 3,759,000 |
| Noninterest expense | 2,751,000 | 5,656,000 | 8,587,000 | 11,826,000 |
| Provision for loan losses | 150,000 | 260,000 | 290,000 | 620,000 |
| Pretax income | 1,979,000 | 3,806,000 | 5,885,000 | 7,617,000 |
| Income tax | 582,000 | 1,004,000 | 1,540,000 | 1,946,000 |
| Net income | 1,397,000 | 2,802,000 | 4,345,000 | 5,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,902,000 | 30,483,000 | 31,726,000 | 33,052,000 |
| Total capital | 31,207,000 | 32,909,000 | 34,306,000 | 35,656,000 |
| Risk-weighted assets | 183,374,000 | 193,369,000 | 205,914,000 | 207,382,000 |