Call reports 2006
JEFFERSON BANK AND TRUST COMPANY — 2006
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 750,276,000 | 764,849,000 | 769,894,000 | 795,285,000 |
| Total loans | 608,554,000 | 617,321,000 | 615,652,000 | 643,535,000 |
| Allowance for loan losses | 6,707,000 | 6,819,000 | 6,979,000 | 6,929,000 |
| Securities available for sale | 96,120,000 | 96,564,000 | 104,586,000 | 107,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 559,888,000 | 572,855,000 | 563,974,000 | 569,433,000 |
| Interest-bearing deposits | 482,278,000 | 489,001,000 | 485,510,000 | 533,234,000 |
| Noninterest-bearing deposits | 77,610,000 | 83,854,000 | 78,464,000 | 36,199,000 |
| Equity capital | 63,554,000 | 65,857,000 | 68,664,000 | 70,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,107,000 | 22,819,000 | 34,891,000 | 47,208,000 |
| Interest expense | 5,270,000 | 10,951,000 | 16,882,000 | 23,165,000 |
| Net interest income | 5,837,000 | 11,868,000 | 18,009,000 | 24,043,000 |
| Noninterest income | 268,000 | 526,000 | 800,000 | 1,507,000 |
| Noninterest expense | 2,352,000 | 4,769,000 | 7,308,000 | 10,616,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 995,000 |
| Pretax income | 3,603,000 | 7,250,000 | 10,901,000 | 13,939,000 |
| Income tax | 1,304,000 | 2,628,000 | 3,958,000 | 5,081,000 |
| Net income | 2,299,000 | 4,622,000 | 6,943,000 | 8,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,564,000 | 66,887,000 | 69,209,000 | 71,123,000 |
| Total capital | 71,271,000 | 73,706,000 | 76,188,000 | 78,052,000 |
| Risk-weighted assets | 659,658,000 | 671,928,000 | 678,458,000 | 710,069,000 |