Call reports 2012
JEFFERSON BANK AND TRUST COMPANY — 2012
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 538,790,000 | 528,991,000 | 520,305,000 | 503,629,000 |
| Total loans | 393,413,000 | 364,734,000 | 378,529,000 | 354,961,000 |
| Allowance for loan losses | 11,419,000 | 11,078,000 | 11,269,000 | 10,533,000 |
| Securities available for sale | 65,139,000 | 66,936,000 | 65,853,000 | 65,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,969,000 | 398,093,000 | 399,665,000 | 394,899,000 |
| Interest-bearing deposits | 343,105,000 | 380,582,000 | 382,762,000 | 377,978,000 |
| Noninterest-bearing deposits | 50,864,000 | 17,511,000 | 16,903,000 | 16,921,000 |
| Equity capital | 63,384,000 | 62,594,000 | 61,025,000 | 58,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,328,000 | 10,419,000 | 15,434,000 | 20,156,000 |
| Interest expense | 1,497,000 | 2,784,000 | 3,841,000 | 4,776,000 |
| Net interest income | 3,831,000 | 7,635,000 | 11,593,000 | 15,380,000 |
| Noninterest income | 275,000 | 178,000 | -2,861,000 | -7,352,000 |
| Noninterest expense | 2,780,000 | 6,132,000 | 9,146,000 | 11,849,000 |
| Provision for loan losses | 900,000 | 2,600,000 | 3,200,000 | 3,650,000 |
| Pretax income | 426,000 | -919,000 | -3,614,000 | -7,471,000 |
| Income tax | 135,000 | -393,000 | -1,424,000 | -2,890,000 |
| Net income | 291,000 | -526,000 | -2,190,000 | -4,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,673,000 | 56,135,000 | 53,940,000 | 48,468,000 |
| Total capital | 62,086,000 | 61,355,000 | 59,245,000 | 53,383,000 |
| Risk-weighted assets | 427,038,000 | 411,738,000 | 418,409,000 | 387,559,000 |