Call reports 2003
JEFFERSON BANK AND TRUST COMPANY — 2003
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 628,774,000 | 612,336,000 | 625,205,000 | 652,882,000 |
| Total loans | 462,274,000 | 463,843,000 | 499,740,000 | 530,055,000 |
| Allowance for loan losses | 6,986,000 | 5,036,000 | 5,772,000 | 5,851,000 |
| Securities available for sale | 109,937,000 | 105,968,000 | 93,167,000 | 84,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,201,000 | 467,975,000 | 471,503,000 | 485,289,000 |
| Interest-bearing deposits | 414,139,000 | 407,660,000 | 403,569,000 | 419,455,000 |
| Noninterest-bearing deposits | 69,062,000 | 60,315,000 | 67,934,000 | 65,834,000 |
| Equity capital | 58,109,000 | 59,189,000 | 59,503,000 | 57,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,232,000 | 16,444,000 | 24,427,000 | 32,484,000 |
| Interest expense | 3,974,000 | 7,863,000 | 11,436,000 | 14,752,000 |
| Net interest income | 4,258,000 | 8,581,000 | 12,991,000 | 17,732,000 |
| Noninterest income | 694,000 | 1,144,000 | 1,696,000 | 2,027,000 |
| Noninterest expense | 2,167,000 | 4,256,000 | 6,373,000 | 9,018,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 2,762,000 | 5,297,000 | 8,136,000 | 10,555,000 |
| Income tax | 1,051,000 | 2,009,000 | 3,081,000 | 3,908,000 |
| Net income | 1,711,000 | 3,288,000 | 5,055,000 | 6,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,473,000 | 57,441,000 | 58,599,000 | 56,391,000 |
| Total capital | 62,918,000 | 62,477,000 | 64,371,000 | 62,242,000 |
| Risk-weighted assets | 515,081,000 | 515,029,000 | 547,827,000 | 575,553,000 |