Call reports 2010
JEFFERSON BANK AND TRUST COMPANY — 2010
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 844,649,000 | 804,644,000 | 753,320,000 | 713,057,000 |
| Total loans | 612,990,000 | 587,781,000 | 549,856,000 | 511,140,000 |
| Allowance for loan losses | 14,049,000 | 13,657,000 | 13,007,000 | 12,565,000 |
| Securities available for sale | 99,940,000 | 94,276,000 | 81,100,000 | 79,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,397,000 | 547,736,000 | 510,116,000 | 485,914,000 |
| Interest-bearing deposits | 544,152,000 | 518,341,000 | 490,903,000 | 433,785,000 |
| Noninterest-bearing deposits | 24,245,000 | 29,395,000 | 19,213,000 | 52,129,000 |
| Equity capital | 63,352,000 | 66,720,000 | 65,455,000 | 62,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,222,000 | 18,093,000 | 26,388,000 | 34,133,000 |
| Interest expense | 4,523,000 | 8,365,000 | 11,903,000 | 15,132,000 |
| Net interest income | 4,699,000 | 9,728,000 | 14,485,000 | 19,001,000 |
| Noninterest income | 233,000 | 167,000 | 690,000 | -1,757,000 |
| Noninterest expense | 2,825,000 | 5,763,000 | 9,213,000 | 12,455,000 |
| Provision for loan losses | 4,607,000 | 5,657,000 | 9,207,000 | 12,382,000 |
| Pretax income | -2,500,000 | -1,525,000 | -3,245,000 | -7,593,000 |
| Income tax | -961,000 | -575,000 | -1,213,000 | -2,563,000 |
| Net income | -1,539,000 | -950,000 | -2,032,000 | -5,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,492,000 | 66,081,000 | 63,320,000 | 59,153,000 |
| Total capital | 71,120,000 | 74,330,000 | 70,989,000 | 66,206,000 |
| Risk-weighted assets | 684,790,000 | 654,528,000 | 608,202,000 | 558,705,000 |