Call reports 2004
JEFFERSON BANK AND TRUST COMPANY — 2004
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 665,323,000 | 677,865,000 | 692,845,000 | 719,750,000 |
| Total loans | 545,600,000 | 568,660,000 | 560,189,000 | 552,874,000 |
| Allowance for loan losses | 5,582,000 | 6,034,000 | 6,297,000 | 6,481,000 |
| Securities available for sale | 82,387,000 | 74,004,000 | 83,561,000 | 107,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,465,000 | 514,030,000 | 530,125,000 | 552,049,000 |
| Interest-bearing deposits | 438,290,000 | 440,582,000 | 461,733,000 | 488,525,000 |
| Noninterest-bearing deposits | 62,175,000 | 73,448,000 | 68,392,000 | 63,524,000 |
| Equity capital | 57,682,000 | 57,726,000 | 58,788,000 | 58,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,178,000 | 16,492,000 | 25,005,000 | 33,981,000 |
| Interest expense | 3,347,000 | 6,737,000 | 10,256,000 | 14,042,000 |
| Net interest income | 4,831,000 | 9,755,000 | 14,749,000 | 19,939,000 |
| Noninterest income | 303,000 | 655,000 | 938,000 | 1,215,000 |
| Noninterest expense | 2,318,000 | 4,510,000 | 6,831,000 | 9,405,000 |
| Provision for loan losses | 295,000 | 415,000 | 640,000 | 865,000 |
| Pretax income | 2,521,000 | 5,485,000 | 8,216,000 | 10,884,000 |
| Income tax | 947,000 | 2,008,000 | 2,946,000 | 3,983,000 |
| Net income | 1,574,000 | 3,477,000 | 5,270,000 | 6,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,974,000 | 57,884,000 | 58,686,000 | 59,326,000 |
| Total capital | 62,556,000 | 63,918,000 | 64,983,000 | 65,807,000 |
| Risk-weighted assets | 593,015,000 | 611,615,000 | 608,972,000 | 611,424,000 |