Call reports 2009
JEFFERSON BANK, THE — 2009
What JEFFERSON BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,706,000 | 53,881,000 | 56,986,000 | 53,712,000 |
| Total loans | 25,501,000 | 32,790,000 | 33,394,000 | 26,388,000 |
| Allowance for loan losses | 366,000 | 359,000 | 375,000 | 359,000 |
| Securities available for sale | 18,156,000 | 17,136,000 | 17,105,000 | 18,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,035,000 | 43,982,000 | 47,828,000 | 47,654,000 |
| Interest-bearing deposits | 38,435,000 | 37,950,000 | 41,222,000 | 39,920,000 |
| Noninterest-bearing deposits | 6,600,000 | 6,032,000 | 6,606,000 | 7,734,000 |
| Equity capital | 4,912,000 | 5,064,000 | 5,243,000 | 5,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,643,000 | 2,464,000 | 3,186,000 |
| Interest expense | 211,000 | 411,000 | 616,000 | 798,000 |
| Net interest income | 581,000 | 1,232,000 | 1,848,000 | 2,388,000 |
| Noninterest income | 54,000 | 122,000 | 199,000 | 298,000 |
| Noninterest expense | 502,000 | 1,011,000 | 1,486,000 | 1,995,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 75,000 |
| Pretax income | 111,000 | 321,000 | 539,000 | 622,000 |
| Income tax | 16,000 | 87,000 | 160,000 | 176,000 |
| Net income | 95,000 | 234,000 | 379,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,868,000 | 4,970,000 | 5,080,000 | 5,109,000 |
| Total capital | 5,227,000 | 5,329,000 | 5,455,000 | 5,468,000 |
| Risk-weighted assets | 28,733,000 | 33,432,000 | 36,457,000 | 30,664,000 |