Call reports 2001
CENTRAL BANK OF JEFFERSON COUNTY — 2001
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 121,684,000 | 138,860,000 | 182,833,000 | 210,834,000 |
| Total loans | 102,198,000 | 116,282,000 | 129,205,000 | 169,214,000 |
| Allowance for loan losses | 817,000 | 902,000 | 978,000 | 1,138,000 |
| Securities available for sale | 9,459,000 | 12,976,000 | 12,897,000 | 29,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,098,000 | 117,780,000 | 146,268,000 | 165,164,000 |
| Interest-bearing deposits | 95,294,000 | 114,036,000 | 138,570,000 | 158,744,000 |
| Noninterest-bearing deposits | 4,804,000 | 3,744,000 | 7,698,000 | 6,420,000 |
| Equity capital | 10,957,000 | 10,394,000 | 10,174,000 | 9,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,622,000 | 5,452,000 | 8,484,000 | 12,222,000 |
| Interest expense | 1,563,000 | 3,283,000 | 5,119,000 | 7,400,000 |
| Net interest income | 1,059,000 | 2,169,000 | 3,365,000 | 4,822,000 |
| Noninterest income | 381,000 | 1,026,000 | 1,901,000 | 3,004,000 |
| Noninterest expense | 1,080,000 | 2,425,000 | 3,970,000 | 5,802,000 |
| Provision for loan losses | 40,000 | 115,000 | 195,000 | 355,000 |
| Pretax income | 320,000 | 677,000 | 1,123,000 | 1,587,000 |
| Income tax | 113,000 | 237,000 | 421,000 | 579,000 |
| Net income | 207,000 | 440,000 | 702,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,784,000 | 10,130,000 | 9,903,000 | 10,221,000 |
| Total capital | 11,601,000 | 11,032,000 | 13,698,000 | 15,057,000 |
| Risk-weighted assets | 83,001,000 | 99,361,000 | 117,797,000 | 140,738,000 |
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