Call reports 2015
CENTRAL BANK OF JEFFERSON COUNTY — 2015
What CENTRAL BANK OF JEFFERSON COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 180,224,000 | 180,149,000 | 184,226,000 | 179,200,000 |
| Total loans | 142,185,000 | 135,693,000 | 131,002,000 | 130,220,000 |
| Allowance for loan losses | 1,303,000 | 1,350,000 | 1,427,000 | 1,399,000 |
| Securities available for sale | 8,697,000 | 8,140,000 | 7,743,000 | 7,349,000 |
| Securities held to maturity | 6,257,000 | 4,205,000 | 6,746,000 | 6,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,648,000 | 150,507,000 | 153,109,000 | 148,541,000 |
| Interest-bearing deposits | 127,465,000 | 123,433,000 | 125,597,000 | 121,768,000 |
| Noninterest-bearing deposits | 23,183,000 | 27,074,000 | 27,512,000 | 26,773,000 |
| Equity capital | 23,440,000 | 23,663,000 | 23,833,000 | 23,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,557,000 | 5,212,000 | 6,821,000 |
| Interest expense | 253,000 | 501,000 | 740,000 | 968,000 |
| Net interest income | 1,480,000 | 3,056,000 | 4,472,000 | 5,853,000 |
| Noninterest income | 156,000 | 348,000 | 535,000 | 728,000 |
| Noninterest expense | 1,287,000 | 2,721,000 | 4,093,000 | 5,414,000 |
| Provision for loan losses | 0 | 0 | 0 | 23,000 |
| Pretax income | 349,000 | 683,000 | 914,000 | 1,144,000 |
| Income tax | 108,000 | 216,000 | 290,000 | 365,000 |
| Net income | 241,000 | 467,000 | 624,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,209,000 | 18,434,000 | 18,244,000 | 18,410,000 |
| Total capital | 19,512,000 | 19,784,000 | 19,671,000 | 19,809,000 |
| Risk-weighted assets | 147,002,000 | 142,057,000 | 137,739,000 | 135,919,000 |