Call reports 2008
CENTRAL BANK OF JEFFERSON COUNTY — 2008
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,671,000 | 157,686,000 | 165,562,000 | 168,007,000 |
| Total loans | 130,511,000 | 129,874,000 | 131,612,000 | 131,561,000 |
| Allowance for loan losses | 1,998,000 | 2,060,000 | 2,247,000 | 2,443,000 |
| Securities available for sale | 11,133,000 | 10,462,000 | 9,268,000 | 10,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,160,000 | 119,823,000 | 136,549,000 | 141,039,000 |
| Interest-bearing deposits | 123,450,000 | 111,439,000 | 126,353,000 | 129,986,000 |
| Noninterest-bearing deposits | 6,710,000 | 8,384,000 | 10,196,000 | 11,053,000 |
| Equity capital | 17,796,000 | 17,532,000 | 17,951,000 | 18,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,549,000 | 6,614,000 | 8,689,000 |
| Interest expense | 1,470,000 | 2,730,000 | 3,940,000 | 5,161,000 |
| Net interest income | 910,000 | 1,819,000 | 2,674,000 | 3,528,000 |
| Noninterest income | 465,000 | 634,000 | 2,559,000 | 2,803,000 |
| Noninterest expense | 2,323,000 | 4,637,000 | 7,183,000 | 8,963,000 |
| Provision for loan losses | 215,000 | 274,000 | 511,000 | 972,000 |
| Pretax income | -1,163,000 | -2,458,000 | -2,461,000 | -3,604,000 |
| Income tax | -400,000 | -849,000 | -851,000 | -1,248,000 |
| Net income | -763,000 | -1,609,000 | -1,610,000 | -2,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,184,000 | 11,126,000 | 11,503,000 | 11,508,000 |
| Total capital | 12,770,000 | 12,717,000 | 13,149,000 | 13,162,000 |
| Risk-weighted assets | 126,431,000 | 126,733,000 | 131,058,000 | 131,532,000 |
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