Call reports 2004
JEFFERSON COUNTY BANK — 2004
What JEFFERSON COUNTY 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 | 27,968,000 | 27,675,000 | 28,238,000 | 28,302,000 |
| Total loans | 10,560,000 | 11,163,000 | 12,365,000 | 13,103,000 |
| Allowance for loan losses | 247,000 | 247,000 | 247,000 | 247,000 |
| Securities available for sale | 8,145,000 | 10,158,000 | 7,204,000 | 9,012,000 |
| Securities held to maturity | 56,000 | 55,000 | 49,000 | 46,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,552,000 | 19,384,000 | 20,266,000 | 20,675,000 |
| Interest-bearing deposits | 18,173,000 | 18,077,000 | 18,862,000 | 18,898,000 |
| Noninterest-bearing deposits | 1,379,000 | 1,307,000 | 1,404,000 | 1,777,000 |
| Equity capital | 3,276,000 | 3,095,000 | 3,400,000 | 3,429,000 |
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 | 326,000 | 654,000 | 996,000 | 1,344,000 |
| Interest expense | 125,000 | 246,000 | 369,000 | 496,000 |
| Net interest income | 201,000 | 408,000 | 627,000 | 848,000 |
| Noninterest income | 22,000 | 46,000 | 72,000 | 128,000 |
| Noninterest expense | 113,000 | 264,000 | 389,000 | 619,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 190,000 | 338,000 | 385,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 108,000 | 185,000 | 331,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,138,000 | 3,216,000 | 3,361,000 | 3,405,000 |
| Total capital | 3,313,000 | 3,396,000 | 3,553,000 | 3,606,000 |
| Risk-weighted assets | 13,888,000 | 14,357,000 | 15,292,000 | 16,056,000 |