Call reports 2011
JEFFERSON BANK AND TRUST COMPANY — 2011
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 645,699,000 | 615,497,000 | 571,048,000 | 555,586,000 |
| Total loans | 480,926,000 | 445,265,000 | 434,158,000 | 414,301,000 |
| Allowance for loan losses | 14,064,000 | 14,144,000 | 14,867,000 | 13,869,000 |
| Securities available for sale | 63,794,000 | 50,445,000 | 46,292,000 | 52,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,553,000 | 428,760,000 | 395,038,000 | 395,813,000 |
| Interest-bearing deposits | 394,172,000 | 370,069,000 | 337,178,000 | 337,464,000 |
| Noninterest-bearing deposits | 51,381,000 | 58,691,000 | 57,860,000 | 58,349,000 |
| Equity capital | 61,682,000 | 62,748,000 | 63,241,000 | 63,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,055,000 | 13,516,000 | 19,530,000 | 25,422,000 |
| Interest expense | 2,739,000 | 5,068,000 | 7,117,000 | 8,971,000 |
| Net interest income | 4,316,000 | 8,448,000 | 12,413,000 | 16,451,000 |
| Noninterest income | -580,000 | -739,000 | -60,000 | -99,000 |
| Noninterest expense | 3,019,000 | 5,854,000 | 8,662,000 | 11,473,000 |
| Provision for loan losses | 1,500,000 | 2,400,000 | 3,400,000 | 4,735,000 |
| Pretax income | -783,000 | -477,000 | 359,000 | 212,000 |
| Income tax | -316,000 | -226,000 | 63,000 | -17,000 |
| Net income | -467,000 | -251,000 | 296,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,961,000 | 57,001,000 | 57,510,000 | 57,169,000 |
| Total capital | 62,515,000 | 63,081,000 | 63,379,000 | 62,853,000 |
| Risk-weighted assets | 516,848,000 | 478,357,000 | 460,544,000 | 446,541,000 |