Call reports 2003
JEFFERSON COUNTY BANK — 2003
What JEFFERSON COUNTY 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 | 28,941,000 | 27,536,000 | 27,040,000 | 27,459,000 |
| Total loans | 10,524,000 | 12,156,000 | 12,651,000 | 12,210,000 |
| Allowance for loan losses | 247,000 | 247,000 | 247,000 | 247,000 |
| Securities available for sale | 9,506,000 | 8,871,000 | 6,634,000 | 9,879,000 |
| Securities held to maturity | 65,000 | 63,000 | 57,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,857,000 | 18,212,000 | 18,706,000 | 18,686,000 |
| Interest-bearing deposits | 17,732,000 | 17,135,000 | 17,668,000 | 17,331,000 |
| Noninterest-bearing deposits | 1,125,000 | 1,077,000 | 1,038,000 | 1,355,000 |
| Equity capital | 3,212,000 | 3,341,000 | 3,254,000 | 3,247,000 |
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 | 346,000 | 712,000 | 1,066,000 | 1,416,000 |
| Interest expense | 143,000 | 287,000 | 422,000 | 550,000 |
| Net interest income | 203,000 | 425,000 | 644,000 | 866,000 |
| Noninterest income | 15,000 | 33,000 | 52,000 | 66,000 |
| Noninterest expense | 126,000 | 272,000 | 396,000 | 587,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 194,000 | 308,000 | 353,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 3,000 |
| Net income | 90,000 | 190,000 | 301,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,099,000 | 3,200,000 | 3,231,000 | 3,180,000 |
| Total capital | 3,269,000 | 3,385,000 | 3,422,000 | 3,369,000 |
| Risk-weighted assets | 13,585,000 | 14,752,000 | 15,221,000 | 15,140,000 |