Call reports 2002
CENTRAL BANK OF JEFFERSON COUNTY — 2002
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 225,549,000 | 241,482,000 | 239,929,000 | 250,613,000 |
| Total loans | 179,569,000 | 187,897,000 | 194,863,000 | 176,686,000 |
| Allowance for loan losses | 1,225,000 | 1,338,000 | 1,434,000 | 1,621,000 |
| Securities available for sale | 31,078,000 | 32,449,000 | 26,125,000 | 27,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,750,000 | 192,880,000 | 188,013,000 | 201,434,000 |
| Interest-bearing deposits | 176,106,000 | 183,855,000 | 177,735,000 | 192,290,000 |
| Noninterest-bearing deposits | 9,644,000 | 9,025,000 | 10,278,000 | 9,144,000 |
| Equity capital | 11,089,000 | 14,648,000 | 18,073,000 | 15,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,601,000 | 7,742,000 | 11,405,000 | 15,097,000 |
| Interest expense | 2,171,000 | 4,274,000 | 6,526,000 | 8,595,000 |
| Net interest income | 1,430,000 | 3,468,000 | 4,879,000 | 6,502,000 |
| Noninterest income | 958,000 | 2,103,000 | 3,861,000 | 5,259,000 |
| Noninterest expense | 1,682,000 | 3,769,000 | 5,813,000 | 7,922,000 |
| Provision for loan losses | 105,000 | 370,000 | 580,000 | 780,000 |
| Pretax income | 559,000 | 1,353,000 | 2,249,000 | 2,961,000 |
| Income tax | 196,000 | 470,000 | 773,000 | 1,011,000 |
| Net income | 363,000 | 883,000 | 1,476,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,520,000 | 14,606,000 | 17,683,000 | 15,540,000 |
| Total capital | 16,453,000 | 19,642,000 | 22,815,000 | 21,061,000 |
| Risk-weighted assets | 146,462,000 | 161,797,000 | 159,013,000 | 156,026,000 |
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