Call reports 2006
CENTRAL BANK OF JEFFERSON COUNTY — 2006
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 175,922,000 | 182,566,000 | 178,301,000 | 179,066,000 |
| Total loans | 122,333,000 | 134,076,000 | 137,088,000 | 136,406,000 |
| Allowance for loan losses | 2,178,000 | 2,183,000 | 2,229,000 | 2,176,000 |
| Securities available for sale | 20,888,000 | 18,043,000 | 17,940,000 | 17,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,125,000 | 144,001,000 | 136,712,000 | 132,953,000 |
| Interest-bearing deposits | 132,845,000 | 136,411,000 | 130,564,000 | 127,725,000 |
| Noninterest-bearing deposits | 5,280,000 | 7,590,000 | 6,148,000 | 5,228,000 |
| Equity capital | 17,924,000 | 17,997,000 | 18,708,000 | 18,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,557,000 | 5,290,000 | 8,181,000 | 11,090,000 |
| Interest expense | 1,509,000 | 3,130,000 | 4,799,000 | 6,605,000 |
| Net interest income | 1,048,000 | 2,160,000 | 3,382,000 | 4,485,000 |
| Noninterest income | 604,000 | 1,139,000 | 2,863,000 | 3,380,000 |
| Noninterest expense | 2,517,000 | 4,901,000 | 7,268,000 | 9,599,000 |
| Provision for loan losses | -500,000 | -500,000 | -500,000 | -400,000 |
| Pretax income | -365,000 | -1,102,000 | -523,000 | -1,334,000 |
| Income tax | -128,000 | -386,000 | -293,000 | -554,000 |
| Net income | -237,000 | -716,000 | -230,000 | -780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,576,000 | 10,933,000 | 11,557,000 | 11,143,000 |
| Total capital | 12,053,000 | 12,592,000 | 13,244,000 | 12,816,000 |
| Risk-weighted assets | 116,771,000 | 131,564,000 | 133,794,000 | 132,886,000 |
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