Call reports 2013
JEFFERSON BANK AND TRUST COMPANY — 2013
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 480,738,000 | 471,973,000 | 480,133,000 | 474,415,000 |
| Total loans | 339,786,000 | 336,087,000 | 325,841,000 | 324,051,000 |
| Allowance for loan losses | 9,541,000 | 9,408,000 | 9,462,000 | 7,750,000 |
| Securities available for sale | 63,488,000 | 68,363,000 | 79,787,000 | 97,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,111,000 | 381,068,000 | 385,348,000 | 382,679,000 |
| Interest-bearing deposits | 367,736,000 | 363,781,000 | 368,049,000 | 365,768,000 |
| Noninterest-bearing deposits | 17,375,000 | 17,287,000 | 17,299,000 | 16,911,000 |
| Equity capital | 59,335,000 | 60,171,000 | 60,694,000 | 61,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,436,000 | 8,608,000 | 12,619,000 | 16,523,000 |
| Interest expense | 712,000 | 1,327,000 | 1,917,000 | 2,485,000 |
| Net interest income | 3,724,000 | 7,281,000 | 10,702,000 | 14,038,000 |
| Noninterest income | 288,000 | 304,000 | 599,000 | 800,000 |
| Noninterest expense | 2,573,000 | 5,179,000 | 7,732,000 | 10,498,000 |
| Provision for loan losses | 300,000 | -700,000 | -700,000 | -1,000,000 |
| Pretax income | 1,139,000 | 3,200,000 | 4,363,000 | 5,434,000 |
| Income tax | 404,000 | 1,156,000 | 1,568,000 | 1,922,000 |
| Net income | 735,000 | 2,044,000 | 2,795,000 | 3,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,204,000 | 51,561,000 | 52,224,000 | 53,098,000 |
| Total capital | 53,918,000 | 56,400,000 | 56,946,000 | 58,031,000 |
| Risk-weighted assets | 372,330,000 | 382,536,000 | 373,015,000 | 391,835,000 |