Call reports 2007
CENTRAL BANK OF JEFFERSON COUNTY — 2007
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 178,918,000 | 185,910,000 | 181,973,000 | 165,257,000 |
| Total loans | 135,191,000 | 136,636,000 | 131,082,000 | 129,252,000 |
| Allowance for loan losses | 2,217,000 | 2,616,000 | 2,581,000 | 2,128,000 |
| Securities available for sale | 17,412,000 | 15,874,000 | 15,742,000 | 13,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,280,000 | 150,730,000 | 152,827,000 | 131,928,000 |
| Interest-bearing deposits | 135,413,000 | 143,593,000 | 144,803,000 | 124,983,000 |
| Noninterest-bearing deposits | 6,867,000 | 7,137,000 | 8,024,000 | 6,945,000 |
| Equity capital | 17,736,000 | 16,814,000 | 16,270,000 | 16,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,900,000 | 5,864,000 | 8,951,000 | 11,871,000 |
| Interest expense | 1,873,000 | 3,775,000 | 5,730,000 | 7,443,000 |
| Net interest income | 1,027,000 | 2,089,000 | 3,221,000 | 4,428,000 |
| Noninterest income | 811,000 | 1,591,000 | 2,343,000 | 2,477,000 |
| Noninterest expense | 2,560,000 | 5,256,000 | 8,053,000 | 10,115,000 |
| Provision for loan losses | 40,000 | 549,000 | 630,000 | 870,000 |
| Pretax income | -762,000 | -2,125,000 | -3,119,000 | -4,080,000 |
| Income tax | -251,000 | -739,000 | -1,078,000 | -1,408,000 |
| Net income | -511,000 | -1,386,000 | -2,041,000 | -2,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,791,000 | 10,157,000 | 9,644,000 | 10,045,000 |
| Total capital | 12,512,000 | 11,894,000 | 11,379,000 | 11,714,000 |
| Risk-weighted assets | 137,217,000 | 138,111,000 | 137,951,000 | 133,093,000 |
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