Call reports 2012
CENTRAL BANK OF JEFFERSON COUNTY — 2012
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 183,685,000 | 182,866,000 | 194,135,000 | 194,553,000 |
| Total loans | 143,471,000 | 138,736,000 | 136,955,000 | 140,089,000 |
| Allowance for loan losses | 1,690,000 | 1,662,000 | 2,002,000 | 2,061,000 |
| Securities available for sale | 4,205,000 | 6,373,000 | 7,159,000 | 7,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,491,000 | 159,446,000 | 171,006,000 | 171,176,000 |
| Interest-bearing deposits | 135,024,000 | 136,390,000 | 146,535,000 | 145,258,000 |
| Noninterest-bearing deposits | 24,467,000 | 23,056,000 | 24,471,000 | 25,918,000 |
| Equity capital | 21,688,000 | 21,642,000 | 21,693,000 | 22,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,852,000 | 5,665,000 | 7,469,000 |
| Interest expense | 403,000 | 803,000 | 1,207,000 | 1,621,000 |
| Net interest income | 1,556,000 | 3,049,000 | 4,458,000 | 5,848,000 |
| Noninterest income | 329,000 | 638,000 | 1,027,000 | 1,582,000 |
| Noninterest expense | 1,398,000 | 2,790,000 | 4,175,000 | 5,531,000 |
| Provision for loan losses | 225,000 | 741,000 | 1,081,000 | 1,189,000 |
| Pretax income | 262,000 | 156,000 | 229,000 | 710,000 |
| Income tax | 72,000 | 15,000 | 22,000 | 172,000 |
| Net income | 190,000 | 141,000 | 207,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,647,000 | 15,418,000 | 15,463,000 | 15,794,000 |
| Total capital | 17,337,000 | 17,080,000 | 17,295,000 | 17,674,000 |
| Risk-weighted assets | 153,471,000 | 147,259,000 | 146,352,000 | 150,267,000 |
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