Call reports 2005
JEFFERSON COUNTY BANK — 2005
What JEFFERSON COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,247,000 | 28,774,000 | 28,768,000 | 27,780,000 |
| Total loans | 13,535,000 | 14,612,000 | 14,905,000 | 14,835,000 |
| Allowance for loan losses | 324,000 | 324,000 | 324,000 | 324,000 |
| Securities available for sale | 9,314,000 | 8,243,000 | 8,013,000 | 7,784,000 |
| Securities held to maturity | 45,000 | 45,000 | 44,000 | 43,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,319,000 | 20,777,000 | 19,662,000 | 18,992,000 |
| Interest-bearing deposits | 19,501,000 | 19,224,000 | 18,209,000 | 17,084,000 |
| Noninterest-bearing deposits | 1,818,000 | 1,554,000 | 1,454,000 | 1,908,000 |
| Equity capital | 3,174,000 | 3,384,000 | 3,453,000 | 3,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 735,000 | 1,119,000 | 1,506,000 |
| Interest expense | 133,000 | 270,000 | 416,000 | 565,000 |
| Net interest income | 227,000 | 465,000 | 703,000 | 941,000 |
| Noninterest income | 20,000 | 36,000 | 55,000 | 74,000 |
| Noninterest expense | 137,000 | 281,000 | 423,000 | 587,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 233,000 | 348,000 | 441,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 108,000 | 228,000 | 341,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,263,000 | 3,383,000 | 3,496,000 | 3,586,000 |
| Total capital | 3,471,000 | 3,599,000 | 3,715,000 | 3,804,000 |
| Risk-weighted assets | 16,552,000 | 17,165,000 | 17,393,000 | 17,327,000 |