Call reports 2007
JEFFERSON COUNTY BANK — 2007
What JEFFERSON COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 27,667,000 | 28,420,000 | 31,509,000 | 32,724,000 |
| Total loans | 13,805,000 | 14,435,000 | 14,823,000 | 15,498,000 |
| Allowance for loan losses | 319,000 | 216,000 | 216,000 | 205,000 |
| Securities available for sale | 9,782,000 | 9,592,000 | 11,525,000 | 11,624,000 |
| Securities held to maturity | 40,000 | 40,000 | 39,000 | 38,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,470,000 | 20,615,000 | 20,052,000 | 21,311,000 |
| Interest-bearing deposits | 17,709,000 | 19,009,000 | 18,219,000 | 18,583,000 |
| Noninterest-bearing deposits | 1,761,000 | 1,607,000 | 1,833,000 | 2,728,000 |
| Equity capital | 3,411,000 | 3,484,000 | 3,748,000 | 3,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 399,000 | 826,000 | 1,286,000 | 1,770,000 |
| Interest expense | 189,000 | 401,000 | 637,000 | 882,000 |
| Net interest income | 210,000 | 425,000 | 649,000 | 888,000 |
| Noninterest income | 18,000 | 37,000 | 57,000 | 75,000 |
| Noninterest expense | 144,000 | 301,000 | 457,000 | 630,000 |
| Provision for loan losses | 0 | -103,000 | -103,000 | -103,000 |
| Pretax income | 84,000 | 264,000 | 352,000 | 436,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 82,000 | 259,000 | 345,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,485,000 | 3,662,000 | 3,746,000 | 3,830,000 |
| Total capital | 3,700,000 | 3,878,000 | 3,962,000 | 4,035,000 |
| Risk-weighted assets | 17,056,000 | 17,908,000 | 18,923,000 | 19,798,000 |