Call reports 2016
JEFFERSON BANK AND TRUST COMPANY — 2016
What JEFFERSON BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 568,668,000 | 561,283,000 | 564,790,000 | 574,802,000 |
| Total loans | 385,292,000 | 391,655,000 | 392,612,000 | 398,018,000 |
| Allowance for loan losses | 5,460,000 | 5,544,000 | 5,568,000 | 5,482,000 |
| Securities available for sale | 144,608,000 | 124,284,000 | 127,742,000 | 143,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,489,000 | 454,300,000 | 455,260,000 | 456,094,000 |
| Interest-bearing deposits | 443,984,000 | 436,942,000 | 436,928,000 | 437,871,000 |
| Noninterest-bearing deposits | 16,505,000 | 17,358,000 | 18,332,000 | 18,223,000 |
| Equity capital | 66,732,000 | 68,035,000 | 68,879,000 | 67,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,395,000 | 8,870,000 | 13,330,000 | 17,847,000 |
| Interest expense | 569,000 | 1,149,000 | 1,739,000 | 2,376,000 |
| Net interest income | 3,826,000 | 7,721,000 | 11,591,000 | 15,471,000 |
| Noninterest income | 78,000 | 349,000 | 625,000 | 1,109,000 |
| Noninterest expense | 2,299,000 | 4,551,000 | 6,883,000 | 9,349,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 80,000 |
| Pretax income | 1,577,000 | 3,834,000 | 5,573,000 | 7,616,000 |
| Income tax | 523,000 | 1,312,000 | 1,905,000 | 2,600,000 |
| Net income | 1,054,000 | 2,522,000 | 3,668,000 | 5,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,164,000 | 65,180,000 | 65,840,000 | 66,690,000 |
| Total capital | 69,624,000 | 70,724,000 | 71,408,000 | 72,172,000 |
| Risk-weighted assets | 522,181,000 | 515,938,000 | 507,472,000 | 524,056,000 |