Call reports 2005
JEFFERSON BANK AND TRUST COMPANY — 2005
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 725,377,000 | 740,929,000 | 742,910,000 | 763,309,000 |
| Total loans | 565,774,000 | 592,844,000 | 590,957,000 | 623,466,000 |
| Allowance for loan losses | 6,666,000 | 6,783,000 | 6,982,000 | 7,086,000 |
| Securities available for sale | 115,434,000 | 107,900,000 | 103,064,000 | 99,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,112,000 | 562,853,000 | 554,208,000 | 564,772,000 |
| Interest-bearing deposits | 485,309,000 | 488,882,000 | 478,260,000 | 487,966,000 |
| Noninterest-bearing deposits | 75,803,000 | 73,971,000 | 75,948,000 | 76,806,000 |
| Equity capital | 59,099,000 | 60,420,000 | 61,315,000 | 62,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,153,000 | 18,799,000 | 28,969,000 | 39,672,000 |
| Interest expense | 3,951,000 | 8,355,000 | 13,121,000 | 18,114,000 |
| Net interest income | 5,202,000 | 10,444,000 | 15,848,000 | 21,558,000 |
| Noninterest income | 274,000 | 562,000 | 863,000 | 1,152,000 |
| Noninterest expense | 2,272,000 | 4,552,000 | 6,885,000 | 9,450,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,054,000 | 6,154,000 | 9,376,000 | 12,660,000 |
| Income tax | 1,149,000 | 2,322,000 | 3,541,000 | 4,765,000 |
| Net income | 1,905,000 | 3,832,000 | 5,835,000 | 7,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,241,000 | 61,175,000 | 62,187,000 | 63,257,000 |
| Total capital | 66,907,000 | 67,958,000 | 69,169,000 | 70,343,000 |
| Risk-weighted assets | 625,709,000 | 646,666,000 | 642,345,000 | 670,621,000 |