Call reports 2008
JEFFERSON BANK AND TRUST COMPANY — 2008
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 847,691,000 | 842,086,000 | 856,319,000 | 899,563,000 |
| Total loans | 688,716,000 | 677,154,000 | 711,936,000 | 752,779,000 |
| Allowance for loan losses | 7,280,000 | 7,492,000 | 8,416,000 | 11,882,000 |
| Securities available for sale | 113,471,000 | 120,386,000 | 112,820,000 | 111,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 602,615,000 | 603,818,000 | 597,902,000 | 577,490,000 |
| Interest-bearing deposits | 567,815,000 | 557,161,000 | 566,876,000 | 547,331,000 |
| Noninterest-bearing deposits | 34,800,000 | 46,657,000 | 31,026,000 | 30,159,000 |
| Equity capital | 78,367,000 | 77,892,000 | 77,710,000 | 76,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,738,000 | 24,327,000 | 35,862,000 | 47,247,000 |
| Interest expense | 7,065,000 | 13,394,000 | 19,720,000 | 25,871,000 |
| Net interest income | 5,673,000 | 10,933,000 | 16,142,000 | 21,376,000 |
| Noninterest income | 231,000 | 455,000 | 717,000 | 992,000 |
| Noninterest expense | 2,607,000 | 5,250,000 | 7,976,000 | 10,739,000 |
| Provision for loan losses | 225,000 | 450,000 | 1,200,000 | 6,110,000 |
| Pretax income | 3,077,000 | 5,693,000 | 7,688,000 | 5,524,000 |
| Income tax | 1,143,000 | 2,061,000 | 2,745,000 | 1,865,000 |
| Net income | 1,934,000 | 3,632,000 | 4,943,000 | 3,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,970,000 | 77,667,000 | 77,978,000 | 76,181,000 |
| Total capital | 84,250,000 | 85,159,000 | 86,394,000 | 86,402,000 |
| Risk-weighted assets | 757,775,000 | 747,071,000 | 777,293,000 | 816,052,000 |