Call reports 2004
FIRSTBANK OF SOUTH JEFFCO — 2004
What FIRSTBANK OF SOUTH JEFFCO 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 | 471,568,000 | 487,064,000 | 493,821,000 | 510,493,000 |
| Total loans | 101,321,000 | 105,063,000 | 101,989,000 | 98,537,000 |
| Allowance for loan losses | 1,232,000 | 1,268,000 | 1,154,000 | 856,000 |
| Securities available for sale | 288,803,000 | 280,583,000 | 300,108,000 | 286,245,000 |
| Securities held to maturity | 50,378,000 | 50,521,000 | 61,519,000 | 77,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,819,000 | 423,600,000 | 434,260,000 | 438,138,000 |
| Interest-bearing deposits | 337,836,000 | 338,962,000 | 345,075,000 | 346,645,000 |
| Noninterest-bearing deposits | 81,983,000 | 84,639,000 | 89,184,000 | 91,493,000 |
| Equity capital | 31,985,000 | 29,104,000 | 33,045,000 | 31,811,000 |
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 | 4,992,000 | 10,340,000 | 15,959,000 | 21,861,000 |
| Interest expense | 1,160,000 | 2,335,000 | 3,575,000 | 5,063,000 |
| Net interest income | 3,832,000 | 8,005,000 | 12,384,000 | 16,798,000 |
| Noninterest income | 1,556,000 | 3,202,000 | 4,887,000 | 6,468,000 |
| Noninterest expense | 2,465,000 | 4,990,000 | 7,644,000 | 10,390,000 |
| Provision for loan losses | -11,000 | 36,000 | -61,000 | -330,000 |
| Pretax income | 2,934,000 | 6,181,000 | 9,688,000 | 13,206,000 |
| Income tax | 754,000 | 1,632,000 | 2,597,000 | 3,568,000 |
| Net income | 2,180,000 | 4,549,000 | 7,091,000 | 9,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,036,000 | 27,805,000 | 28,747,000 | 28,294,000 |
| Total capital | 28,268,000 | 29,073,000 | 29,901,000 | 29,150,000 |
| Risk-weighted assets | 158,689,000 | 164,001,000 | 163,739,000 | 165,136,000 |