Call reports 2009
JEFFERSON BANK AND TRUST COMPANY — 2009
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 898,787,000 | 884,606,000 | 884,577,000 | 822,434,000 |
| Total loans | 721,133,000 | 707,134,000 | 682,193,000 | 652,615,000 |
| Allowance for loan losses | 12,288,000 | 13,102,000 | 16,198,000 | 14,466,000 |
| Securities available for sale | 118,726,000 | 118,885,000 | 119,368,000 | 108,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 622,607,000 | 609,564,000 | 611,239,000 | 577,285,000 |
| Interest-bearing deposits | 593,331,000 | 586,367,000 | 583,955,000 | 550,558,000 |
| Noninterest-bearing deposits | 29,276,000 | 23,197,000 | 27,284,000 | 26,727,000 |
| Equity capital | 76,530,000 | 77,645,000 | 77,594,000 | 65,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,982,000 | 21,705,000 | 32,359,000 | 42,067,000 |
| Interest expense | 5,854,000 | 11,585,000 | 17,162,000 | 22,287,000 |
| Net interest income | 5,128,000 | 10,120,000 | 15,197,000 | 19,780,000 |
| Noninterest income | 289,000 | 593,000 | 955,000 | 1,370,000 |
| Noninterest expense | 2,785,000 | 5,932,000 | 8,719,000 | 11,515,000 |
| Provision for loan losses | 1,500,000 | 3,600,000 | 6,750,000 | 29,018,000 |
| Pretax income | 1,132,000 | 1,181,000 | 683,000 | -19,383,000 |
| Income tax | 422,000 | 436,000 | 77,000 | -7,495,000 |
| Net income | 710,000 | 745,000 | 606,000 | -11,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,490,000 | 76,526,000 | 76,387,000 | 64,031,000 |
| Total capital | 86,367,000 | 86,253,000 | 85,771,000 | 73,018,000 |
| Risk-weighted assets | 787,732,000 | 774,801,000 | 743,885,000 | 713,452,000 |