Call reports 2004
JEFF BANK — 2004
What JEFF 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 | 355,982,000 | 359,474,000 | 363,235,000 | 363,642,000 |
| Total loans | 203,371,000 | 212,964,000 | 218,962,000 | 224,236,000 |
| Allowance for loan losses | 3,499,000 | 3,578,000 | 3,600,000 | 3,645,000 |
| Securities available for sale | 112,609,000 | 106,655,000 | 106,368,000 | 99,927,000 |
| Securities held to maturity | 5,809,000 | 5,824,000 | 6,355,000 | 5,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,184,000 | 293,266,000 | 295,696,000 | 293,385,000 |
| Interest-bearing deposits | 228,496,000 | 227,355,000 | 229,084,000 | 227,886,000 |
| Noninterest-bearing deposits | 58,688,000 | 65,911,000 | 66,612,000 | 65,499,000 |
| Equity capital | 35,205,000 | 33,914,000 | 36,799,000 | 37,181,000 |
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 | 5,137,000 | 10,243,000 | 15,514,000 | 20,796,000 |
| Interest expense | 991,000 | 1,980,000 | 3,021,000 | 4,051,000 |
| Net interest income | 4,146,000 | 8,263,000 | 12,493,000 | 16,745,000 |
| Noninterest income | 885,000 | 1,965,000 | 3,007,000 | 3,976,000 |
| Noninterest expense | 2,832,000 | 5,921,000 | 9,065,000 | 12,087,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 2,109,000 | 4,133,000 | 6,176,000 | 8,288,000 |
| Income tax | 559,000 | 1,084,000 | 1,621,000 | 2,178,000 |
| Net income | 1,550,000 | 3,049,000 | 4,555,000 | 6,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,202,000 | 35,301,000 | 36,407,000 | 36,972,000 |
| Total capital | 36,885,000 | 38,089,000 | 39,269,000 | 39,863,000 |
| Risk-weighted assets | 213,810,000 | 222,281,000 | 228,226,000 | 230,507,000 |