Call reports 2014
JEFFERSON BANK AND TRUST COMPANY — 2014
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 474,882,000 | 462,605,000 | 478,500,000 | 476,282,000 |
| Total loans | 324,307,000 | 334,765,000 | 338,717,000 | 341,763,000 |
| Allowance for loan losses | 6,951,000 | 6,897,000 | 6,936,000 | 6,282,000 |
| Securities available for sale | 97,185,000 | 82,884,000 | 76,270,000 | 68,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,741,000 | 372,244,000 | 379,416,000 | 378,972,000 |
| Interest-bearing deposits | 364,518,000 | 355,835,000 | 363,312,000 | 362,620,000 |
| Noninterest-bearing deposits | 18,223,000 | 16,409,000 | 16,104,000 | 16,352,000 |
| Equity capital | 61,699,000 | 62,371,000 | 62,595,000 | 63,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,806,000 | 7,593,000 | 11,406,000 | 15,176,000 |
| Interest expense | 523,000 | 1,032,000 | 1,551,000 | 2,065,000 |
| Net interest income | 3,283,000 | 6,561,000 | 9,855,000 | 13,111,000 |
| Noninterest income | 256,000 | 527,000 | 865,000 | 1,214,000 |
| Noninterest expense | 2,443,000 | 4,882,000 | 7,378,000 | 9,920,000 |
| Provision for loan losses | 0 | -75,000 | -75,000 | -775,000 |
| Pretax income | 1,096,000 | 2,344,000 | 3,480,000 | 5,315,000 |
| Income tax | 362,000 | 778,000 | 1,150,000 | 1,779,000 |
| Net income | 734,000 | 1,566,000 | 2,330,000 | 3,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,944,000 | 54,859,000 | 55,536,000 | 57,202,000 |
| Total capital | 58,876,000 | 59,768,000 | 60,463,000 | 62,188,000 |
| Risk-weighted assets | 392,575,000 | 390,751,000 | 392,192,000 | 397,567,000 |