Call reports 2015
JEFFERSON BANK AND TRUST COMPANY — 2015
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 484,446,000 | 565,553,000 | 570,713,000 | 567,036,000 |
| Total loans | 361,605,000 | 359,213,000 | 354,597,000 | 369,826,000 |
| Allowance for loan losses | 6,478,000 | 6,262,000 | 5,025,000 | 5,292,000 |
| Securities available for sale | 70,563,000 | 83,849,000 | 136,096,000 | 151,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,519,000 | 470,769,000 | 468,667,000 | 461,748,000 |
| Interest-bearing deposits | 368,555,000 | 450,471,000 | 449,423,000 | 441,618,000 |
| Noninterest-bearing deposits | 16,964,000 | 20,298,000 | 19,244,000 | 20,130,000 |
| Equity capital | 63,936,000 | 64,086,000 | 64,953,000 | 64,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,045,000 | 7,939,000 | 11,901,000 | 16,124,000 |
| Interest expense | 490,000 | 1,017,000 | 1,581,000 | 2,141,000 |
| Net interest income | 3,555,000 | 6,922,000 | 10,320,000 | 13,983,000 |
| Noninterest income | -221,000 | 242,000 | 552,000 | 851,000 |
| Noninterest expense | 2,382,000 | 4,862,000 | 7,215,000 | 9,708,000 |
| Provision for loan losses | -300,000 | -250,000 | -700,000 | -800,000 |
| Pretax income | 1,257,000 | 2,557,000 | 4,430,000 | 6,069,000 |
| Income tax | 412,000 | 850,000 | 1,490,000 | 2,044,000 |
| Net income | 845,000 | 1,707,000 | 2,940,000 | 4,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,805,000 | 61,172,000 | 61,909,000 | 62,498,000 |
| Total capital | 66,253,000 | 66,751,000 | 66,934,000 | 67,790,000 |
| Risk-weighted assets | 434,849,000 | 443,908,000 | 489,723,000 | 519,828,000 |