Call reports 2005
CENTRAL BANK OF JEFFERSON COUNTY — 2005
What CENTRAL BANK OF JEFFERSON COUNTY 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 | 181,732,000 | 180,735,000 | 180,371,000 | 173,242,000 |
| Total loans | 133,484,000 | 136,559,000 | 131,487,000 | 124,393,000 |
| Allowance for loan losses | 3,558,000 | 3,653,000 | 3,142,000 | 2,647,000 |
| Securities available for sale | 26,037,000 | 25,393,000 | 23,684,000 | 21,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,292,000 | 140,258,000 | 140,592,000 | 135,868,000 |
| Interest-bearing deposits | 139,988,000 | 135,535,000 | 135,536,000 | 131,078,000 |
| Noninterest-bearing deposits | 4,304,000 | 4,723,000 | 5,056,000 | 4,790,000 |
| Equity capital | 10,657,000 | 17,414,000 | 17,189,000 | 16,886,000 |
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 | 2,499,000 | 2,562,000 | 5,158,000 | 7,678,000 |
| Interest expense | 1,452,000 | 1,689,000 | 3,130,000 | 4,589,000 |
| Net interest income | 1,047,000 | 873,000 | 2,028,000 | 3,089,000 |
| Noninterest income | 317,000 | 431,000 | 838,000 | 1,170,000 |
| Noninterest expense | 2,313,000 | 2,147,000 | 3,952,000 | 6,415,000 |
| Provision for loan losses | 432,000 | 134,000 | 134,000 | 73,000 |
| Pretax income | -1,381,000 | -977,000 | -1,220,000 | -2,229,000 |
| Income tax | -441,000 | -345,000 | -427,000 | -780,000 |
| Net income | -940,000 | -632,000 | -793,000 | -1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,470,000 | 14,980,000 | 12,072,000 | 10,361,000 |
| Total capital | 12,833,000 | 16,701,000 | 13,647,000 | 11,828,000 |
| Risk-weighted assets | 114,965,000 | 123,008,000 | 122,783,000 | 115,431,000 |
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