Call reports 2007
JEFFERSON BANK AND TRUST COMPANY — 2007
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 820,639,000 | 827,154,000 | 831,677,000 | 859,366,000 |
| Total loans | 646,627,000 | 656,794,000 | 675,153,000 | 691,446,000 |
| Allowance for loan losses | 6,337,000 | 6,838,000 | 7,039,000 | 7,234,000 |
| Securities available for sale | 105,730,000 | 112,040,000 | 115,000,000 | 121,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,846,000 | 617,628,000 | 609,318,000 | 594,616,000 |
| Interest-bearing deposits | 576,929,000 | 581,372,000 | 573,876,000 | 553,213,000 |
| Noninterest-bearing deposits | 28,917,000 | 36,256,000 | 35,442,000 | 41,403,000 |
| Equity capital | 72,960,000 | 73,389,000 | 74,783,000 | 76,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,748,000 | 26,138,000 | 39,798,000 | 53,121,000 |
| Interest expense | 6,988,000 | 14,490,000 | 22,108,000 | 29,639,000 |
| Net interest income | 5,760,000 | 11,648,000 | 17,690,000 | 23,482,000 |
| Noninterest income | 253,000 | 304,000 | 387,000 | 886,000 |
| Noninterest expense | 2,561,000 | 5,094,000 | 7,674,000 | 10,433,000 |
| Provision for loan losses | 275,000 | 800,000 | 1,025,000 | 1,250,000 |
| Pretax income | 3,177,000 | 6,058,000 | 9,378,000 | 12,685,000 |
| Income tax | 1,190,000 | 2,248,000 | 3,472,000 | 4,670,000 |
| Net income | 1,987,000 | 3,810,000 | 5,906,000 | 8,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,110,000 | 73,733,000 | 74,629,000 | 75,538,000 |
| Total capital | 79,447,000 | 80,571,000 | 81,668,000 | 82,772,000 |
| Risk-weighted assets | 719,895,000 | 727,686,000 | 745,994,000 | 763,757,000 |