Call reports 2013
CENTRAL BANK OF JEFFERSON COUNTY — 2013
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 199,948,000 | 198,953,000 | 205,185,000 | 199,342,000 |
| Total loans | 136,209,000 | 136,852,000 | 133,551,000 | 135,791,000 |
| Allowance for loan losses | 1,906,000 | 1,875,000 | 1,969,000 | 1,678,000 |
| Securities available for sale | 14,960,000 | 14,415,000 | 13,889,000 | 11,770,000 |
| Securities held to maturity | 0 | 0 | 4,701,000 | 6,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,735,000 | 170,869,000 | 174,804,000 | 167,567,000 |
| Interest-bearing deposits | 153,290,000 | 152,194,000 | 153,646,000 | 144,304,000 |
| Noninterest-bearing deposits | 19,445,000 | 18,675,000 | 21,158,000 | 23,263,000 |
| Equity capital | 22,038,000 | 22,062,000 | 22,297,000 | 22,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,772,000 | 3,536,000 | 5,295,000 | 7,101,000 |
| Interest expense | 391,000 | 770,000 | 1,133,000 | 1,485,000 |
| Net interest income | 1,381,000 | 2,766,000 | 4,162,000 | 5,616,000 |
| Noninterest income | 123,000 | 309,000 | 416,000 | 629,000 |
| Noninterest expense | 1,428,000 | 2,775,000 | 4,096,000 | 5,354,000 |
| Provision for loan losses | 0 | 195,000 | 260,000 | 247,000 |
| Pretax income | 76,000 | 105,000 | 222,000 | 644,000 |
| Income tax | 12,000 | 3,000 | 19,000 | 152,000 |
| Net income | 64,000 | 102,000 | 203,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,059,000 | 16,096,000 | 16,313,000 | 16,602,000 |
| Total capital | 17,942,000 | 17,937,000 | 18,139,000 | 18,280,000 |
| Risk-weighted assets | 150,659,000 | 147,299,000 | 145,888,000 | 146,369,000 |
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