Call reports 2003
CENTRAL BANK OF JEFFERSON COUNTY — 2003
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 247,356,000 | 226,561,000 | 211,356,000 | 212,818,000 |
| Total loans | 185,807,000 | 169,732,000 | 145,515,000 | 157,941,000 |
| Allowance for loan losses | 1,775,000 | 2,243,000 | 2,744,000 | 6,180,000 |
| Securities available for sale | 37,988,000 | 33,868,000 | 34,743,000 | 35,225,000 |
| Securities held to maturity | 0 | 0 | 23,000 | 8,135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,707,000 | 174,563,000 | 159,694,000 | 159,288,000 |
| Interest-bearing deposits | 185,591,000 | 163,856,000 | 148,853,000 | 151,673,000 |
| Noninterest-bearing deposits | 12,116,000 | 10,707,000 | 10,841,000 | 7,615,000 |
| Equity capital | 16,136,000 | 18,767,000 | 19,123,000 | 14,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,483,000 | 6,779,000 | 9,761,000 | 12,401,000 |
| Interest expense | 1,964,000 | 3,764,000 | 5,436,000 | 6,937,000 |
| Net interest income | 1,519,000 | 3,015,000 | 4,325,000 | 5,464,000 |
| Noninterest income | 1,341,000 | 2,634,000 | 3,490,000 | 3,651,000 |
| Noninterest expense | 2,090,000 | 4,084,000 | 6,588,000 | 8,806,000 |
| Provision for loan losses | 332,000 | 877,000 | 2,041,000 | 8,526,000 |
| Pretax income | 457,000 | 927,000 | -566,000 | -7,972,000 |
| Income tax | 144,000 | 298,000 | -179,000 | -2,708,000 |
| Net income | 313,000 | 629,000 | -387,000 | -5,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,791,000 | 18,397,000 | 19,075,000 | 14,189,000 |
| Total capital | 21,466,000 | 24,081,000 | 24,615,000 | 19,868,000 |
| Risk-weighted assets | 151,880,000 | 142,225,000 | 130,096,000 | 137,951,000 |
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