0001387131-12-001549.txt : 20120514 0001387131-12-001549.hdr.sgml : 20120514 20120514172519 ACCESSION NUMBER: 0001387131-12-001549 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 10 CONFORMED PERIOD OF REPORT: 20120331 FILED AS OF DATE: 20120514 DATE AS OF CHANGE: 20120514 FILER: COMPANY DATA: COMPANY CONFORMED NAME: JEFFERSON BANCSHARES INC CENTRAL INDEX KEY: 0001222915 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 450508261 STATE OF INCORPORATION: TN FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-50347 FILM NUMBER: 12839894 BUSINESS ADDRESS: STREET 1: JEFFERSON FEDERAL SAVINGS & LOAN ASSOC STREET 2: 120 EVANS AVENUE CITY: MORRISTOWN STATE: TN ZIP: 37814 BUSINESS PHONE: 4235868421 MAIL ADDRESS: STREET 1: JEFFERSON FEDERAL SAVINGS & LOAN ASSOC STREET 2: 120 EVANS AVENUE CITY: MORRISTOWN STATE: TN ZIP: 37814 10-Q 1 jban-10q_033112.htm QUARTERLY REPORT jban-10q_033112.htm


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
FORM 10-Q
 
x
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the quarterly period ended March 31, 2012
 
OR
 
o
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the transition period from ____________ to ___________________
 
Commission File Number 00-50347
 
JEFFERSON BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
 
Tennessee
 
45-0508261
(State or other jurisdiction of incorporation or organization)
 
(I.R.S. Employer Identification Number)
 
120 Evans Avenue, Morristown, Tennessee
 
37814
(Address of principal executive offices)
 
(Zip code)
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARY
(423) 586-8421
(Registrant’s telephone number, including area code)
 
Not Applicable
(Former name, former address and former fiscal year, if changed since last report)
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x    No o
 
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
Yes x    No o
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definition of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one)
 
 
Large Accelerated Filer o
Accelerated Filer o
     
 
Non-Accelerated Filer o
Smaller Reporting Company x
 
(Do not check if a smaller reporting company)
 
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o    No x
 
Indicate the number of shares outstanding of each of the issuer’s classes of common stock as of the latest practicable date:
 
At May 15, 2012, the registrant had 6,632,039 shares of common stock, $0.01 par value per share, outstanding.
 
 
 

 
 
INDEX
 
  PART I. FINANCIAL INFORMATION  
     
Page
       
 
3
 
 
 
   
 
4
 
 
 
   
 
5
 
 
 
   
 
6
 
       
 
7
 
       
21
 
 
 
 
 
37
 
       
37
 
       
     
       
38
 
38
 
38
 
39
 
39
 
39
 
39
 
       
SIGNATURES       
 
 
2

 
 
 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARY
(Dollars in Thousands)
 
   
March 31,
   
June 30,
 
   
2012
   
2011
 
Assets
 
(Unaudited)
       
             
Cash and cash equivalents
  $ 3,956     $ 5,327  
Interest-earning deposits
    34,661       35,221  
Investment securities classified as available for sale, net
    89,260       74,780  
Federal Home Loan Bank stock
    4,735       4,735  
Bank owned life insurance
    6,802       6,625  
Loans receivable, net of allowance for loan losses of $6,807 and $8,181
    341,524       378,587  
Loans held-for-sale
    243       -  
Premises and equipment, net
    26,501       26,617  
Foreclosed real estate, net
    7,823       9,498  
Accrued interest receivable:
               
Investments
    404       311  
Loans receivable
    1,279       1,521  
Deferred tax asset
    11,405       9,009  
Core deposit intangible
    1,642       1,978  
Other assets
    3,795       6,980  
                 
Total Assets
  $ 534,030     $ 561,189  
                 
Liabilities and Stockholders’ Equity
               
                 
Deposits
               
Noninterest-bearing
  $ 55,247     $ 54,340  
Interest-bearing
    378,575       399,922  
Repurchase agreements
    890       945  
Federal Home Loan Bank advances
    37,883       37,942  
Subordinated debentures
    7,217       7,133  
Other liabilities
    2,185       4,988  
Total liabilities
    481,997       505,270  
                 
Commitments and contingent liabilities
    -       -  
                 
Stockholders’ equity:
               
Preferred stock, $.01 par value; 10,000,000 shares authorized; no shares issued or outstanding
               
Common stock, $.01 par value; 30,000,000 shares authorized; 9,182,372 shares issued and 6,632,039 shares outstanding at March 31, 2012 and 6,634,523 shares outstanding at June 30, 2011
    92       92  
Additional paid-in capital
    78,657       78,895  
Unearned ESOP shares
    (2,916  )     (3,241 )
Unearned compensation
    (1,046 )     (1,019 )
Accumulated other comprehensive income
    811       459  
Retained earnings
    7,776       12,067  
Treasury stock, at cost (2,550,333 and 2,547,849 shares)
    (31,341 )     (31,334 )
 Total stockholders’ equity
    52,033       55,919  
                 
Total liabilities and stockholders’ equity
  $ 534,030     $ 561,189  
 
See accompanying notes to financial statements.
 
 
3

 
 
Jefferson Bancshares, Inc. and Subsidiary
(Dollars in Thousands, Except Net Earnings Per Share)
 
   
Three Months Ended
   
Nine Months Ended
 
   
March 31,
   
March 31,
 
   
2012
   
2011
   
2012
   
2011
 
                         
Interest income:
                       
Interest on loans receivable
  $ 4,758     $ 6,049     $ 15,595     $ 18,443  
Interest on investment securities
    478       411       1,412       1,302  
Other interest
    66       105       190       306  
Total interest income
    5,302       6,565       17,197       20,051  
                                 
Interest expense:
                               
Deposits
    671       1,293       2,427       4,490  
Repurchase agreements
    2       1       5       5  
Advances from FHLB
    316       445       956       1,788  
Subordinated debentures
    84       79       243       241  
Total interest expense
    1,073       1,818       3,631       6,524  
                                 
Net interest income
    4,229       4,747       13,566       13,527  
Provision for loan losses
    600       1,400       9,273       2,350  
Net interest income after provision for loan losses
    3,629       3,347       4,293       11,177  
                                 
Noninterest income:
                               
Mortgage origination fee income
    68       66       264       430  
Service charges and fees
    265       286       841       957  
Gain on investments
    -       1,279       39       2,031  
Gain (loss) on sale of fixed assets
    -       -       (19 )     -  
Gain (loss) on sale of foreclosed real estate, net
    (61 )     (186 )     (140 )     (591 )
BOLI increase in cash value
    58       58       177       177  
Other
    178       194       527       527  
Total noninterest income
    508       1,697       1,689       3,531  
                                 
Noninterest expense:
                               
Compensation and benefits
    1,494       1,620       4,625       5,064  
Occupancy expense
    334       309       1,047       1,031  
Equipment and data processing expense
    591       638       1,798       1,900  
DIF premiums
    203       165       606       490  
Advertising
    155       62       290       167  
Legal and professional services
    72       144       383       387  
Valuation adjustment and expenses on OREO
    273       371       2,144       1,475  
Amortization of intangible assets
    106       120       336       377  
Loss on early extinguishment of debt
    -       585       -       775  
Other
    544       621       1,658       1,709  
Total noninterest expense
    3,772       4,635       12,887       13,375  
                                 
Earnings before income taxes
    365       409       (6,905 )     1,333  
                                 
Income taxes:
                               
Current
    -       2       -       5  
Deferred
    31       147       (2,614 )     450  
Total income taxes
    31       149       (2,614 )     455  
                                 
Net earnings
  $ 334     $ 260     $ (4,291 )   $ 878  
                                 
Net earnings per share, basic
  $ 0.05     $ 0.04     $ (0.69 )   $ 0.14  
Net earnings per share, diluted
  $ 0.05     $ 0.04     $ (0.69 )   $ 0.14  
 
See accompanying notes to financial statements.
 
 
4

 
 
Jefferson Bancshares, Inc. and Subsidiary
Nine Months Ended March 31, 2012 and 2011
(Dollars in Thousands)
 
               
Unallocated
         
Accumulated
                   
         
Additional
   
Common
         
Other
               
Total
 
   
Common
   
Paid-in
   
Stock in
   
Unearned
   
Comprehensive
   
Retained
   
Treasury
   
Stockholders’
 
   
Stock
   
Capital
   
ESOP
   
Compensation
   
Income
   
Earnings
   
Stock
   
Equity
 
Balance at June 30, 2011
  $ 92     $ 78,895     $ (3,241 )   $ (1,019 )   $ 459     $ 12,067     $ (31,334 )   $ 55,919  
                                                                 
Comprehensive income:
                                                               
Net earnings
    -       -       -       -       -       (4,291 )     -       (4,291 )
Change in net unrealized gain (loss) on securities available for sale, net of taxes of $218
    -       -       -       -       352       -       -       352  
                                                                 
Total comprehensive income
    -       -       -       -       -       -       -       (3,939 )
Dividends used for ESOP payment
    -       -       -       -       -       -               -  
Shares committed to be released by the ESOP
    -       (238 )     325       (27 )     -       -       -       60  
Purchase of common stock (2,484 shares)
    -       -       -       -       -       -       (7 )     (7 )
Balance at March 31, 2012
  $ 92     $ 78,657     $ (2,916 )   $ (1,046 )   $ 811     $ 7,776     $ (31,341 )   $ 52,033  
 
               
Unallocated
         
Accumulated
                   
         
Additional
   
Common
         
Other
               
Total
 
   
Common
   
Paid-in
   
Stock in
   
Unearned
   
Comprehensive
   
Retained
   
Treasury
   
Stockholders’
 
   
Stock
   
Capital
   
ESOP
   
Compensation
   
Income
   
Earnings
   
Stock
   
Equity
 
Balance at June 30, 2010
  $ 92     $ 79,175     $ (3,673 )   $ (1,053 )   $ 1,206     $ 12,023     $ (31,247 )   $ 56,523  
                                                                 
Comprehensive income:
                                                               
Net earnings
    -       -       -       -       -       878       -       878  
Change in net unrealized gain (loss) on securities available for sale, net of taxes of ($1,030)
    -       -       -       -       (1,659 )     -       -       (1,659 )
                                                                 
Total comprehensive income
    -       -       -       -       -       -       -       (781 )
Dividends used for ESOP payment
    -       -       -       -       -       13               13  
Shares committed to be released by the ESOP
    -       (209 )     324       -       -       -       -       115  
Earned portion of stock grants
    -       -       -       34       -       -       -       34  
Purchase of common stock (24,453 shares)
    -       -       -       -       -       -       (86 )     (86 )
Balance at March 31, 2011
  $ 92     $ 78,966     $ (3,349 )   $ (1,019 )   $ (453 )   $ 12,914     $ (31,333 )   $ 55,818  
 
See accompanying notes to the financial statements.
 
 
5

 
 
Jefferson Bancshares, Inc. and Subsidiary
(Dollars in Thousands)
 
   
Nine Months Ended
 
   
March 31,
 
   
2012
   
2011
 
Cash flows from operating activities:
           
Net earnings
  $ (4,291 )   $ 878  
Adjustments to reconcile net earnings to net cash provided by (used for) operating activities:
               
Allocated ESOP shares
    87       115  
Depreciation and amortization expense
    1,404       812  
Amortization of premiums (discounts), net on investment securities
    228       88  
Provision for loan losses
    9,273       2,350  
Amortization of deferred loan fees, net
    (112 )     (209 )
(Gain) loss on sale of investment securities
    (39 )     (2,031 )
(Gain) loss on sale of foreclosed real estate, net
    140       591  
(Gain) loss on sale of fixed assets, net
    19       -  
Deferred tax benefit
    (2,614 )     450  
Originations of mortgage loans held for sale
    (11,391 )     (16,708 )
Proceeds from sale of mortgage loans
    11,148       17,535  
Increase in cash value of life insurance
    (177 )     (177 )
Earned portion of MRP
    (27 )     35  
Decrease (increase) in:
               
Accrued interest receivable
    149       186  
Other assets
    3,185       (4,432 )
Increase (decrease) in other liabilities and accrued income taxes
    (2,803 )     4,145  
Net cash provided by (used for) operating activities
    4,179       3,628  
                 
Cash flows used for investing activities:
               
Loan originations, net of principal collections
    27,235       30,045  
Investment securities classifed as available-for-sale:
    -       -  
Proceeds from maturities, calls and prepayments
    42,132       41,899  
Proceeds from sale
    501       11,778  
Purchase of securities
    (56,771 )     (45,371 )
Proceeds from sale of premises and equipment
    26       -  
Purchase of premises and equipment
    (707 )     (183 )
Proceeds from sale of (additions to) foreclosed real estate, net
    1,962       3,363  
Net cash provided by (used for) investing activities
    14,378       41,531  
                 
Cash flows from financing activities:
               
Net decrease in deposits
    (20,407 )     (9,907 )
Net increase (decrease) in repurchase agreements
    (55 )     48  
Proceeds from advances from FHLB
    -       309  
Repayment of FHLB advances
    (19 )     (46,625 )
Purchase of treasury stock
    (7 )     (86 )
Dividends paid
    -       -  
Net cash provided by (used for) financing activities
    (20,488 )     (56,261 )
                 
Net increase (decrease) in cash, cash equivalents and interest-earning deposits
    (1,931 )     (11,102 )
Cash, cash equivalents and interest-earning deposits at beginning of period
    40,548       69,303  
                 
Cash, cash equivalents and interest-earning deposits at end of period
  $ 38,617     $ 58,201  
                 
Supplemental disclosures of cash flow information:
               
Cash paid during period for:
               
Interest on deposits
  $ 2,361     $ 4,470  
Interest on borrowed funds
  $ 786     $ 1,788  
Interest on subordinated debentures
  $ 159     $ 162  
Income taxes
    -     $ 50  
Real estate acquired in settlement of loans
  $ 2,495     $ 11,897  
 
See accompanying notes to financial statements.
 
 
6

 
 
 
(1)
Basis of Presentation
 
The condensed consolidated financial statements include the accounts of Jefferson Bancshares, Inc. (the “Company” or “Jefferson Bancshares”) and its wholly-owned subsidiary, Jefferson Federal Bank (the “Bank” or “Jefferson Federal”). The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. The results of operations for the nine months ended March 31, 2012 are not necessarily indicative of the results which may be expected for the entire fiscal year or any other period. These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended June 30, 2011, which was filed with the Securities and Exchange Commission on September 27, 2011. All dollar amounts, other than per-share amounts, are in thousands unless otherwise noted.
   
(2)
Principles of Consolidation
 
The consolidated financial statements include the accounts of Jefferson Bancshares, Inc. and its wholly-owned subsidiary, Jefferson Federal Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
   
(3)
Use of Estimates
 
In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the statement of condition dates and revenues and expenses for the periods shown. Actual results could differ from the estimates and assumptions used in the consolidated financial statements. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate and deferred tax assets.
   
(4)
Limitation on Capital Distributions
 
Jefferson Federal may not pay dividends on its capital stock if its regulatory capital would thereby be reduced below the amount then required for the liquidation account established for the benefit of certain depositors of Jefferson Federal at the time of its conversion to stock form.
   
 
Under applicable regulations, Jefferson Federal is prohibited from making any capital distributions if, after making the distribution, the Bank would have: (i) total risk-based capital ratio of less than 8.0%; (ii) Tier 1 risk-based capital ratio of less than 4.0%; or (iii) a leverage ratio of less than 4.0%.
   
 
Under the banking laws of the State of Tennessee, a Tennessee chartered savings bank may not declare dividends in any calendar year in which the dividend would exceed the total of its net income for that year, combined with its retained net income for the preceding two years, without the prior approval of the Commissioner of the Tennessee Department of Financial Institutions.
 
 
7

 
 
(5)
Earnings Per Common Share
 
Earnings per common share and diluted earnings per common share have been computed on the basis of dividing net earnings by the weighted-average number of shares of common stock outstanding, exclusive of unallocated employee stock ownership plan (“ESOP”) shares. Diluted earnings per common share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued. Potential common shares that may be issued by the Company relate to outstanding stock options and are determined using the treasury stock method. For the three and nine months ended March 31, 2012, stock options to purchase 340,638 shares were not included in the computation of diluted net income per share as their effect would have been anti-dilutive. The following table illustrates the number of weighted-average shares of common stock used in each corresponding earnings per common share calculation:
 
   
Weighted-Average Shares
   
Weighted-Average Shares
 
   
Outstanding for the
   
Outstanding for the
 
   
Three Months Ended
   
Nine Months Ended
 
   
March 31,
   
March 31,
 
   
2012
   
2011
   
2012
   
2011
 
                         
Weighted average number of common shares used in computing basic earnings per common share
    6,261,939       6,231,452       6,237,203       6,211,295  
Effect of dilutive stock options
    -       -       -       -  
                                 
Weighted average number of common shares and dilutive potential common shares used in computing earnings per common share assuming dilution
    6,261,939       6,231,452       6,237,203       6,211,295  
 
(6)
Accounting for Allowance for Loan Losses and Impairment of a Loan
   
 
The allowance for loan and lease losses is an estimate of the losses that are inherent in the loan and lease portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Bank’s charge-off policy is consistent with bank regulatory standards. Generally, loans are charged off when the loan becomes over 120 days delinquent. Real estate acquired as a result of foreclosure is initially recorded at the lower of the amount of the loan or the fair value, less estimated selling costs. Any writedown to fair value is charged to the allowance for loan and lease losses. Any subsequent writedown of foreclosed real estate is charged against earnings.
   
 
The allowance consists of specific and general components. The specific component relates to loans that are classified as doubtful, substandard or special mention. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors.
   
 
In connection with assessing the allowance, we have established a systematic methodology for determining the adequacy of the allowance for loan losses. Loans are grouped into pools based on loan type and include residential mortgage loans, multi-family loans, construction and land development loans, non-residential real estate loans (owner occupied and non-owner occupied), commercial loans, HELOC and junior lien, and consumer loans. Commercial business loans and loans secured by commercial real estate are generally larger and involve a greater degree of risk than residential mortgage loans. In addition, loans secured by commercial real estate are more likely to be negatively impacted by adverse conditions in the real estate market or the economy. Management utilizes a loan grading system and assigns a loan grade of “Pass”, “Watch”, “Special Mention”, “Substandard”, “Doubtful” or “Loss” based on risk characteristics of loans. Lending staff reviews the loan grades of customers on a regular basis and makes changes as needed given that the creditworthiness of customers may change over time.
 
 
8

 
 
 
Descriptions of loan grades are as follows:
   
 
Pass - loans in this category represent an acceptable risk and do not require heightened levels of monitoring by lending staff.
   
 
Watch - loans in this category represent an acceptable risk; however, require monitoring by lending staff due to potential weakness for any number of reasons.
   
 
Special Mention - loans in this category have potential weaknesses that may result in deteriorating prospects for the asset or in the Bank’s credit position at some future date.
   
 
Substandard - loans in this category are inadequately protected by the sound worth and paying capacity of the borrower or the collateral pledged. Borrowers in this category have a well-defined weakness(es) that jeopardize the proper liquidation of the debt.
   
 
Doubtful - loans classified as doubtful have a clear and defined weakness making the ultimate repayment of the loan, or portions thereof, highly improbable.
   
 
Loss - loans classified as “loss” are those of such little value that their continuance as bank assets is not warranted, even though partial recovery may be affected in the future. Charge off is required in the month this grade is assigned.
   
 
Specific valuation allowances are established for impaired loans. The Company considers a loan to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement on a timely basis. A specific reserve represents the difference between the recorded value of the loan and either its estimated fair value less estimated disposition costs, or the net present value as determined by a discounted cash flow analysis. On a quarterly basis, management evaluates individual loans and lending relationships which have outstanding principal balances of $500,000 or more and which are classified as either substandard, doubtful or loss according to the loan grading policy for impairment. Troubled debt restructurings (“TDRs”) are also considered to be impaired, except for those that have been performing under the new terms for at least six consecutive months.
   
 
A TDR occurs when the Bank grants a concession to a borrower with financial difficulties that it would not otherwise consider. The Bank has adopted the guidance and definitions found in ASU 2011-02 in determining if a borrower is experiencing financial difficulties and if a concession has been granted. The majority of the Bank’s TDRs involve a modification involving changes in amortization terms, reductions in interest rates, interest only payments and, in limited cases, concessions to outstanding loan balances. A TDR may be non-accruing or it may accrue interest. A nonaccrual TDR will be returned to accruing status at such time when the borrower successfully performs under the new terms for at least six consecutive months. The Bank’s TDRs totaled $11.3 million at March 31, 2012 compared to $15.8 million at June 30, 2011.
 
 
9

 
 
 
The following table presents the Bank’s loans classified as TDRs by loan type and accrual status as of March 31, 2012:
 
   
March 31, 2012
 
   
Accrual
   
Non-accrual
   
Total
 
   
Status
   
Status
   
TDRs
 
                   
Residential Mortgage
  $ 904     $ 523     $ 1,427  
Multi-family
    632       5,284       5,916  
Construction and land development
    153       33       186  
Non-residential real estate
    -       2,000       2,000  
Owner occupied
    -       402       402  
Commercial
    836       338       1,174  
HELOC and Junior Lien
    172       -       172  
Total
  $ 2,697     $ 8,580     $ 11,277  
 
 
The following table presents newly restructured loans with concessions related to loan balances that occurred during the three- and nine-month periods ended March 31, 2012:
 
   
Nine Months Ended March 31, 2012
 
         
Pre-Modification
   
Post-Modification
 
         
Outstanding
   
Outstanding
 
   
Number of
   
Recorded
   
Recorded
 
   
Loans
   
Investment
   
Investment
 
                   
Multi-family
    2     $ 7,775     $ 5,284  
Non-residential real estate
    1       3,025       2,000  
Total
    3     $ 10,800     $ 7,284  
 
 
The accrual of interest on all loans is discontinued at the time the loan is 90 days delinquent. All interest accrued but not collected for loans considered impaired, placed on non-accrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost-recovery method until the loan is returned to accrual status. Loans are returned to accrual status when future payments are reasonably assured. Payments received on non-accrual loans are applied to the remaining principal balance of the loans.
   
 
The evaluation of the allowance for loan and lease losses is inherently subjective, as it requires estimates that are susceptible to significant revision as more information becomes available. The Company is subject to periodic examination by regulatory agencies, which may require the Company to record increases in the allowances based on the regulator’s evaluation of available information. There can be no assurance that the Company’s regulators will not require further increases to the allowances.
 
 
10

 
 
 
The following table summarizes the activity in the allowance for loan losses for the nine months ended March 31, 2012:
 
   
Residential Mortgage
   
Multi-family
   
Construction and land development
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC and junior Lien
   
Consumer
   
Total
 
                                                       
                                                       
Allowance for Credit Losses:
                                                     
Balance at June 30, 2011
  $ 1,543     $ 1,858     $ 803     $ 1,934     $ 803     $ 1,197     $ -     $ 43     $ 8,181  
Charge Offs
    (261 )     (2,491 )     (147 )     (1,102 )     (220 )     (6,617 )     (53 )     (13 )     (10,904 )
Recoveries
    5       -       -       -       -       230       3       19       257  
Provision
    (755 )     1,182       (118 )     228       (305 )     8,842       225       (26 )     9,273  
Balance at March 31, 2012
  $ 532     $ 549     $ 538     $ 1,060     $ 278     $ 3,652     $ 175     $ 23     $ 6,807  
                                                                         
Ending balance, Individually Evaluated
  $ 114     $ 139     $ 294     $ 753     $ 8     $ 2,358     $ 66     $ -     $ 3,732  
Ending balance, Collectively Evaluated
  $ 418     $ 410     $ 244     $ 307     $ 270     $ 1,294     $ 109     $ 23     $ 3,075  
                                                                         
Loans:
                                                                       
Balance at March 31, 2012
  $ 101,968     $ 10,836     $ 31,327     $ 50,419     $ 75,405     $ 53,511     $ 20,191     $ 4,909     $ 348,566  
                                                                         
Ending balance, Individually Evaluated
  $ 593     $ 632     $ 1,042     $ 5,282     $ 393     $ 5,378     $ 172     $ -     $ 13,492  
Ending balance, Collectively Evaluated
  $ 101,375     $ 10,204     $ 30,285     $ 45,137     $ 75,012     $ 48,133     $ 20,019     $ 4,909     $ 335,074  
 
 
11

 
 
 
The following table is an aging analysis of the loan portfolio at March 31, 2012:
 
   
30-59 days past due
   
60-89 days past due
   
Greater than 90 days
   
Total past due
   
Total Current
   
Total loans receivable
 
                                     
Residential Mortgage
  $ 2,609     $ -     $ 5,597     $ 8,206     $ 93,762     $ 101,968  
Multi-family
    -       -       5,284       5,284       5,552       10,836  
Construction/land development
    341       1,396       976       2,713       28,614       31,327  
Non-residential real estate
    1,790       -       2,915       4,705       45,714       50,419  
Owner occupied
    242       -       1,875       2,117       73,288       75,405  
Commercial
    111       1,234       1,579       2,924       50,587       53,511  
HELOC and Junior Lien
    2       -       204       206       19,985       20,191  
Consumer
    37       3       38       78       4,831       4,909  
                                                 
Total
  $ 5,132     $ 2,633     $ 18,468     $ 26,233     $ 322,333     $ 348,566  
 
 
The following table summarizes the credit risk profile by internally assigned grade at March 31, 2012:
 
   
Residential Mortgage
   
Multi-family
   
Construction and land development
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC and Junior Lien
   
Consumer
   
Total
 
                                                       
Grade:
                                                     
Pass
  $ 89,997     $ 4,821     $ 26,358     $ 28,731     $ 66,679     $ 46,657     $ 18,312     $ 4,443     $ 285,998  
Watch
    2,984       -       1,976       15,563       6,527       1,450       622       420       29,542  
Special mention
    -       -       -       1,256       -       -       -       -       1,256  
Substandard
    8,987       6,015       2,993       4,869       2,199       5,404       1,257       46       31,770  
Doubtful
    -       -       -       -       -       -       -       -       -  
Loss
    -       -       -       -       -       -       -       -       -  
                                                                         
Total:
  $ 101,968     $ 10,836     $ 31,327     $ 50,419     $ 75,405     $ 53,511     $ 20,191     $ 4,909     $ 348,566  
 
 
12

 
 
 
The following table summarizes the composition of impaired loans, the associated specific reserves, and interest income recognized on impaired loans at March 31, 2012:
 
   
Recorded investment
   
Unpaid principal balance
   
Specific allowance
   
Interest income recognized
 
                         
With an allowance recorded:
                       
Residential Mortgage
  $ 593     $ 593     $ 114     $ 19  
Multi-family
    632       632       139       34  
Construction and land development
    1,042       1,042       294       68  
Non-residential real estate
    5,282       5,282       753       131  
Owner occupied
    393       393       8       27  
Commercial
    5,378       5,378       2,358       192  
HELOC and Junior Lien
    172       172       66       -  
Consumer
    -       -       -       -  
Total
  $ 13,492     $ 13,492     $ 3,732     $ 471  
                                 
With no related allowance:
                               
Residential Mortgage
  $ 3,021     $ 3,021     $ -     $ 133  
Multi-family
    5,284       5,284       -       98  
Construction and land development
    1,688       1,688       -       48  
Non-residential real estate
    3,098       3,098       -       132  
Owner occupied
    947       947       -       78  
Commercial
    396       396       -       31  
HELOC and Junior Lien
    703       703       -       15  
Consumer
    -       -       -       -  
Total
  $ 15,137     $ 15,137     $ -     $ 535  
                                 
Total:
                               
Residential Mortgage
  $ 3,614     $ 3,614     $ 114     $ 152  
Multi-family
    5,916       5,916       139       132  
Construction and land development
    2,730       2,730       294       116  
Non-residential real estate
    8,380       8,380       753       263  
Owner occupied
    1,340       1,340       8       105  
Commercial
    5,774       5,774       2,358       223  
HELOC and Jr Lien
    875       875       66       15  
Consumer
    -       -       -       -  
Total
  $ 28,629     $ 28,629     $ 3,732     $ 1,006  
                                 
Average impaired loans for the nine months ended March 31, 2012   $ 31,917                           
 
(7)
Financial Instruments With Off-Balance Sheet Risk
 
Jefferson Bancshares is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments generally include commitments to originate mortgage loans. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company’s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount and related accrued interest receivable of those instruments. The Company minimizes this risk by evaluating each borrower’s creditworthiness on a case-by-case basis. Collateral held by the Company consists of a first or second mortgage on the borrower’s property. The amount of collateral obtained is based upon an appraisal of the property.
 
 
13

 
 
 
At March 31, 2012, we had approximately $7.4 million in commitments to extend credit, consisting of commitments to fund real estate loans. In addition to commitments to originate loans, we had $4.5 million in unused letters of credit and approximately $29.9 million in unused lines of credit.
   
(8)
Dividends
 
On February 2, 2011, the Company announced that the Board of Directors had voted to suspend the payment of the quarterly cash dividend on the Company’s common stock in an effort to conserve capital.
   
(9)
Stock Incentive Plans
 
The Company maintains stock-based benefit plans under which certain employees and directors are eligible to receive stock grants or options. Under the 2004 Stock-Based Benefit Plan, a maximum of 279,500 shares may be granted as restricted stock and a maximum of 698,750 shares may be issued through the exercise of nonstatutory or incentive stock options. The exercise price of each option equals the market price of the Company’s stock on the date of grant and an option’s maximum term is ten years.
   
 
The table below summarizes the status of the Company’s stock option plans as of March 31, 2012.
 
   
Three Months Ended
 
   
March 31, 2012
 
             
         
Weighted-
 
         
average
 
   
Shares
   
exercise price
 
             
Outstanding at beginning of period
    340,638     $ 3.69  
Granted during the three-month period
    -       -  
Options forfeited
    -       -  
Options exercised
    -       -  
Outstanding at March 31, 2012
    340,638     $ 3.69  
                 
Options exercisable at March 31, 2012
    340,638     $ 3.69  
 
  The following information applies to options outstanding at March 31, 2012:
 
Number outstanding
    340,638  
Range of exercise prices
  $ 13.69  
Weighted-average exercise price
  $ 13.69  
Weighted-average remaining contractual life
    1.83  
Number of options remaining for future issuance
    358,112  
 
 
The estimated fair value of stock options at grant date was determined using the Black-Scholes option-pricing model based on market data as of January 29, 2004. An expected dividend yield of 1.17% and expected volatility of 7.01% were used to model the value. The risk free rate of return equaled 4.22%, which was based on the yield of a U.S. Treasury note with a term of ten years. The estimated time remaining before the expiration of the options equaled ten years.
 
 
14

 
 
(10)
Investment Securities
   
 
Investment securities are summarized as follows:
 
At March 31, 2012
                       
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities available-for-sale
                       
Debt securities:
                       
Federal agency
  $ 24,217     $ 242     $ (160 )   $ 24,299  
Mortgage-backed
    58,683       1,534       (247 )   $ 59,970  
Municipals
    4,436       276       -       4,712  
Other Securities
    609       -       (330 )     279  
Total securities available-for-sale
  $ 87,945     $ 2,052     $ (737 )   $ 89,260  
                                 
Weighted-average rate
    2.32 %                        
                                 
Pledged at March 31, 2012
  $ 13,186                          
 
At June 30, 2011
                       
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities available-for-sale
                       
Debt securities:
                       
Federal agency
  $ 43,721     $ 228     $ -     $ 43,949  
Mortgage-backed
    24,551       861       (56 )     25,356  
Municipals
    5,150       112       (25 )     5,237  
Other Securities
    613       -       (375 )     238  
Total securities available-for-sale
  $ 74,035     $ 1,201     $ (456 )   $ 74,780  
                                 
Weighted-average rate
    2.35 %                        
                                 
Pledged at June 30, 2011
  $ 19,389                          
 
 
15

 
 
  Securities with unrealized losses not recognized in income are as follows:
 
   
Less than 12 months
   
12 months or more
   
Total
 
   
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
   
Value
   
Losses
   
Value
   
Losses
   
Value
   
Losses
 
   
(Dollars in thousands)
 
March 31, 2012
                                   
Federal agency securities
  $ 7,837     $ (160 )   $ -     $ -     $ 7,837     $ (160 )
Mortgage-backed securities
    8,607       (141 )     629       (106 )     9,236       (247 )
Municipal securities
    -       -       -       -       -       -  
Other securities
    -       -       279       (330 )     279       (330 )
    $ 16,444     $ (301 )   $ 908     $ (436 )   $ 17,352     $ (737 )
 
 
The Company evaluates its securities with significant declines in fair value on a quarterly basis to determine whether they should be considered temporarily or other than temporarily impaired. The Company has recognized all of the unrealized losses reflected in the foregoing table in other comprehensive income. The Company neither has the intent to sell nor is forecasting the need or requirement to sell the securities before their anticipated recovery.
   
 
Federal Agency Securities – The unrealized losses of $160,000 for these six federal agency securities were caused by changes in market interest rates. The contractual cash flows of these investments are guaranteed by an agency of the U.S. Government. Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company does not intend to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at March 31, 2012.
   
 
GSE Residential Mortgage-Backed Securities – The unrealized losses of $141,000 for these five GSE mortgage-backed securities was caused by changes in market interest rates. The contractual cash flows of these investments are guaranteed by an agency of the U.S. Government. Accordingly it is expected that the securities would not be settled at a price less than the amortized bases of the Company’s investments. Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company does not intend to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at March 31, 2012.
   
 
Private-Label Residential Mortgage-Backed Securities - The unrealized losses of $106,000 for this private-label mortgage-backed security is primarily driven by higher projected collateral losses, wider credit spreads and changes in interest rates as indicated by the annual independent valuation of the investment. The valuation methodology used is a future cash flow analysis which is built upon a model based on collateral-specific assumptions as they relate to the underlying loans. Given the expected improvement in the future performances of the expected cash flow, the unrealized losses are not deemed to be attributable to credit quality. Accordingly it is expected that the security would not be settled at a price less than the amortized bases of the Company’s investment. Because the decline in market value is attributable to higher projected collateral losses, wider credit spreads and changes in interest rates and not credit quality, the Company expects to recover the entire amortized cost bases of this security.
 
 
16

 
 
 
Other Securities – The unrealized loss of $330,000 on this CDO was a result of updated variables and inputs that comprise the model used in the annual independent valuation of this security. The collateral for the CDO investment is comprised of trust preferred securities and senior and subordinated debt issued by banks, insurance companies, REIT’s, real estate operating companies and homebuilding companies. The CDO security is valued using three different scenarios as a predictor of future collateral performance and the fair market value determined accordingly. Given the expected improvement in the future performance of the collateral, the unrealized loss is not deemed to be attributable to credit quality. Since the Company does not intend to sell this investment before recovery of its amortized cost basis, which may be maturity, the Company does not consider this investment to be other-than-temporarily impaired at March 31, 2012.
   
 
Maturities of debt securities at March 31, 2012, are summarized as follows:
 
               
Weighted
 
   
Amortized
   
Fair
   
Average
 
   
Cost
   
Value
   
Yield
 
                   
Within 1 year
  $ 391     $ 392       2.50 %
Over 1 year through 5 years
    12,795       12,979       1.67 %
After 5 years through 10 years
    14,070       14,308       2.71 %
Over 10 years
    60,689       61,581       3.12 %
    $ 87,945     $ 89,260       2.32 %
 
(11)
Fair Value Disclosures
   
 
Fair value is defined as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. When measuring fair value, the Company uses valuation techniques that are appropriate and consistently applied. A hierarchy is also established under the standard and is used to prioritize valuation inputs into the following three levels used to measure fair value:
   
 
Level 1
   
 
Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as certain U.S. Treasury, other U.S. Government and agency mortgage-backed debt securities that are highly liquid and are actively traded in over-the-counter markets.
   
 
Level 2
   
 
Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes certain U.S. Government and agency mortgage-backed debt securities, corporate debt securities, derivative contracts and residential mortgage loans held-for-sale.
 
 
17

 
 
 
Level 3
   
 
Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. This category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts.
   
 
The following is a description of valuation methodologies used for assets recorded at fair value.
   
 
Investment Securities Available for Sale
   
 
Level 2 investment securities classified as “available-for-sale” are recorded at fair value on a recurring basis. Fair value measurements are based upon independent pricing models or other model-based valuation techniques with inputs that are observable in the market or that can be derived principally from or corroborated by observable market data. Level 2 securities include mortgage-backed securities issued by government-sponsored entities, municipal bonds, bonds issued by government agencies, and corporate debt securities. Level 3 investment securities classified as “available-for-sale” are recorded at fair value on at least a semi-annual basis. Fair value measurements are based upon independent pricing models based upon unobservable inputs which require significant management judgment or estimation. Level 3 includes certain mortgage-backed securities and other debt securities.
   
 
Impaired Loans
   
 
The Company records loans at fair value on a non-recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows.
   
 
Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At March 31, 2012, substantially all of the total impaired loans were evaluated based on either the fair value of the collateral or its liquidation value. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the impaired loan as nonrecurring Level 3.
 
 
18

 
 
 
Assets and Liabilities Recorded at Fair Value on a Recurring Basis
   
 
Below is a table that presents information about certain assets and liabilities measured at fair value:
 
   
March 31, 2012
                    Total Carrying      
                    Amount in      
                    Statement of   Assets/Liabilities
                    Financial   Measured at
Description
 
Level 1
  Level 2   Level 3   Condition   Fair Value
                             
Securities available for sale
 
 -
  $
86,244
  $
3,016
  $
89,260
  $
89,260
 
 
Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis
   
 
The Company may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis are included in the table below.
 
   
March 31, 2012
                  Total Carrying      
                  Amount in      
                  Statement of   Assets/Liabilities
                  Financial   Measured at
Description
 
Level 1
 
Level 2
  Level 3    Condition   Fair Value
                           
Impaired Loans
 
 -
 
 -
  $
24,897
  $
24,897
  $
24,897
 
 
19

 
 
 
The carrying value and estimated fair value of the Company’s financial instruments are as follows:
 
   
March 31, 2012
   
June 30, 2011
 
   
Carrying
   
Fair
   
Carrying
   
Fair
 
   
Amount
   
Value
   
Amount
   
Value
 
                         
Financial assets:
                       
Cash and due from banks and interest-earning deposits with banks
  $ 38,617     $ 38,617     $ 40,548     $ 40,548  
Available-for-sale securities
    89,260       89,260       74,780       74,780  
Federal Home Loan Bank stock
    4,735       4,735       4,735       4,735  
Loans receivable, net
    341,524       348,309       378,587       379,787  
Accrued interest receivable
    1,683       1,683       1,832       1,832  
Loans held-for-sale
    243       243       -       -  
                                 
Financial liabilities:
                               
Deposits
    (433,822 )     (426,261 )     (454,262 )     (446,115 )
Borrowed funds
    (38,773 )     (40,684 )     (38,887 )     (40,718 )
Subordinated debentures
    (7,217 )     (4,500 )     (7,133 )     (6,277 )
                                 
Off-balance sheet assets (liabilities):
                               
Commitments to extend credit
    -       7,394       -       11,932  
Unused letters of credit
    -       4,453       -       4,809  
Unused lines of credit
    -       29,934       -       34,362  
 
(12)
Subordinated Debt
   
 
As part of the State of Franklin acquisition, the Company acquired State of Franklin Statutory Trust II (the “Trust”) and assumed the Trust’s obligation with respect to certain capital securities described below. On December 13, 2006, State of Franklin issued $10.3 million of junior subordinated debentures to the Trust, a Delaware business trust wholly owned by State of Franklin. The Trust (a) sold $10.0 million of capital securities through its underwriters to institutional investors and upstreamed the proceeds to State of Franklin and (b) issued $310,000 of common securities to State of Franklin. The sole assets of the Trust are the $10.3 million of junior subordinated debentures issued by State of Franklin. The securities are redeemable at par after January 30, 2012, and have a final maturity of January 30, 2037. The interest is payable quarterly at a floating rate equal to 3-month LIBOR plus 1.7%.
   
 
On January 11, 2012, the Company notified the Trustee for the Trust that, beginning with the January 30, 2012 interest payment period, the Company has elected to defer all payments of interest on the Company’s junior subordinated debentures for an indefinite period of time (but no longer than 20 consecutive quarterly periods). Under the terms of the indenture, the Company is prohibited from paying dividends on its common stock during the period that interest is deferred on the debentures.
   
(13)
Subsequent Events
   
 
The company has evaluated subsequent events for potential recognition and disclosure for the three months ended March 31, 2012. No items were identified during this evaluation that required adjustment to or disclosure in the accompanying financial statements.
 
 
20

 
 
 
Management’s discussion and analysis of financial condition and results of operations is intended to assist in understanding the financial condition and results of operations of Jefferson Bancshares. The information contained in this section should be read in conjunction with the financial statements and accompanying notes thereto. For further information, refer to the financial statements and footnotes included in the Company’s Annual Report on Form 10-K for the year ended June 30, 2011, which was filed with the Securities and Exchange Commission on September 27, 2011.
 
General
 
Jefferson Bancshares, Inc. (also referred to as the “Company” or “Jefferson Bancshares”) is the holding company for Jefferson Federal Bank (the “Bank” or “Jefferson Federal”).
 
Management of the Company and the Bank are substantially similar and the Company neither owns nor leases any property, but instead uses the premises, equipment and furniture of the Bank. Accordingly, the information set forth in this report, including the consolidated financial statements and related financial data, relates primarily to the Bank.
 
Jefferson Federal is a community oriented financial institution offering traditional financial services to its local communities. The Bank is engaged primarily in the business of attracting deposits from the general public and using such funds to originate loans secured by first mortgages on owner-occupied, one-to four- family residential properties, as well as originate commercial real estate and multi-family mortgage loans, construction loans, consumer loans, commercial non-real estate loans and make other investments permitted by applicable laws and regulations.
 
The Bank’s savings accounts are insured up to the applicable legal limits by the Federal Deposit Insurance Corporation (“FDIC”) through the Deposit Insurance Fund. Jefferson Federal is a member of the Federal Home Loan Bank (“FHLB”) System.
 
Private Securities Litigation Reform Act Safe Harbor Statement
This Quarterly Report may contain forward-looking statements within the meaning of the federal securities laws. These statements are not historical facts; but rather, are statements based on Jefferson Bancshares’ current expectations regarding its business strategies and their intended results and the Company’s future performance. Forward-looking statements are preceded by terms such as “expects,” “believes,” “anticipates,” “intends” and similar expressions.
 
Management’s ability to predict results or the effect of future plans or strategies is inherently uncertain. These factors include, but are not limited to, general economic conditions, changes in the interest rate environment, legislative or regulatory changes that may adversely affect our business, changes in accounting policies and practices, changes in competition and demand for financial services, adverse changes in the securities markets and changes in the quality or composition of the Company’s loan or investment portfolios. Additional factors that may affect our results are discussed in the reports we file with the SEC, including our Annual Report on Form 10-K for the year ended June 30, 2011 under “Item 1A. Risk Factors.” These factors should be considered in evaluating the forward-looking statements and undue reliance should not be placed on such statements. Jefferson Bancshares assumes no obligation to update any forward-looking statements.
 
 
21

 
 
Results of Operations for the Three Months Ended March 31, 2012 and 2011
 
Net Income
 
For the three months ended March 31, 2012, the Company reported net income for the quarter ended March 31, 2012 of $334,000, or $0.05 per diluted share, compared to net income of $260,000, or $0.04 per diluted share, for the quarter ended March 31, 2011. The increase in net income is primarily the result of a reduced loan loss provision and lower noninterest expense, partially offset by a reduction in both net interest income and noninterest income.
 
 
   
Three Months Ended
 
   
March 31,
 
   
2012
   
2011
 
   
(Dollars in thousands,
 
   
except per share data)
 
             
Net earnings
  $ 334     $ 260  
Net earnings per share, basic
  $ 0.05     $ 0.04  
Net earnings per share, diluted
  $ 0.05     $ 0.04  
Return on average assets (annualized)
    0.25 %     0.17 %
Return on average equity (annualized)
    2.56 %     1.83 %
 
Net Interest Income
 
Net interest income decreased $518,000, or 10.9%, to $4.2 million for the quarter ended March 31, 2012 compared to $4.7 million for the same period in 2011. The interest rate spread and net interest margin for the quarter ended March 31, 2012 were 3.49% and 3.60%, respectively, compared to 3.43% and 3.58%, respectively, for the same period in 2011.
 
The following table summarizes changes in interest income and expense for the three month periods ended March 31, 2012 and 2011:
 
   
Three Months
             
   
Ended
             
   
March 31,
             
   
2012
   
2011
   
$ Change
   
% Change
   
(Dollars in thousands)
             
                         
Interest income:
                       
Loans
  $ 4,758     $ 6,049     $ (1,291 )   (21.3 %)
Investment securities
    478       411       67     16.3 %
Interest-earning deposits
    54       51       3     5.9 %
FHLB stock
    12       54       (42 )   (77.8 %)
Total interest income
    5,302       6,565       (1,263 )   (19.2 %)
                               
Interest expense:
                             
Deposits
    671       1,293       (622 )   (48.1 %)
Repurchase Agreements
    2       1       1     100.0 %
Borrowings
    316       445       (129 )   (29.0 %)
Subordinated Notes & Debentures
    84       79       5     6.3 %
Total interest expense
    1,073       1,818       (745 )   (41.0 %)
                               
Net interest income
  $ 4,229     $ 4,747     $ (518 )   (10.9 %)
 
 
22

 
 
The following table summarizes average balances and average yields and costs for the three months ended March 31, 2012 and 2011.
 
   
Three Months Ended March 31,
   
2012
 
2011
   
Average
   
Yield/
 
Average
   
Yield/
   
Balance
   
Cost
 
Balance
   
Cost
   
(Dollars in thousands)
 
                         
Loans
  $ 358,261     5.34 %   $ 410,128     5.98 %
Investment securities
    83,698     2.38 %     52,101     3.37 %
Interest-earning deposits
    28,202     0.17 %     72,591     0.28 %
FHLB stock
    4,735     4.59 %     4,735     4.63 %
Deposits
    380,949     0.71 %     426,378     1.23 %
FHLB advances
    37,895     3.35 %     51,757     3.49 %
Repurchase agreements
    858     0.94 %     836     0.49 %
Subordinated debentures
    7,200     4.69 %     7,087     4.52 %
 
The following table sets forth the effects of changing rates and volumes on our net interest income. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionately based on the changes due to rate and the changes due to volume.
 
   
Three Months
 
   
Ended March 31,
 
   
2012 Compared to 2011
 
   
Increase (Decrease)
       
   
Due To
       
   
Volume
   
Rate
   
Net
 
   
(In thousands)
 
Interest income:
                 
Loans receivable
  $ (722 )   $ (569 )   $ (1,291 )
Investment securities
    53       14       67  
Daily interest-earning deposits and other interest-earning assets
    (24 )     (15 )     (39 )
Total interest-earning assets
    (693 )     (570 )     (1,263 )
                         
Interest expense:
                       
Deposits
    (126 )     (496 )     (622 )
FHLB advances
    (116 )     (13 )     (129 )
Repurchase agreements
    -       1       1  
Subordinatd debentures
    1       4       5  
Total interest-bearing liabilities
    (241 )     (504 )     (745 )
Net change in interest income
  $ (452 )   $ (66 )   $ (518 )
 
Total interest income decreased $1.3 million, or 19.2%, to $5.3 million for the three months ended March 31, 2012 primarily due to a lower volume of interest-earning assets and a lower average yield. The average balance of interest-earning assets declined $64.7 million, or 12.0%, to $474.9 million for the three months ended March 31, 2012 compared to $539.6 million for the same period in 2011, due primarily to declines in average loan balances and interest-earning deposits. The average yield on interest-earning assets was 4.50% for the three months ended March 31, 2012 compared to 4.95% for the same period in 2011.
 
 
23

 
 
Interest on loans decreased $1.3 million, or 21.3%, to $4.8 million for the three months ended March 31, 2012 due to a lower average balance of loans and a lower average yield. The average balance of loans decreased $51.9 million, or 12.7%, to $358.3 million for the three months ended March 31, 2012, due to the combination of reduced loan demand, normal paydowns on existing loans, transfers to OREO and charge-offs. Reduced loan demand has resulted from continued economic weakness in the Bank’s market areas. The average yield on loans was 5.34% for the three months ended March 31, 2012 compared to 5.98% for the same period in 2011.
 
Interest on investment securities was $478,000 for the three months ended March 31, 2012 compared to $411,000 for the same period in 2011. The average balance of investment securities increased $31.6 million to $83.7 million for the three months ended March 31, 2012 compared to $52.1 million for the corresponding period in 2011 as excess liquidity was deployed into the investment portfolio. The average yield on investment securities decreased to 2.38% for the three months ended March 31, 2012 compared to 3.37% for the same period in 2011 due to lower interest rates.
 
Total interest expense decreased $745,000 to $1.1 million for the three months ended March 31, 2012 compared to $1.8 million for the corresponding period in 2011 primarily due to lower interest rates on deposits and a lower average balance of both deposits and FHLB borrowings. The average rate paid on deposits was 0.71% for the three months ended March 31, 2012, compared to 1.23% for the same period in 2011 due to downward repricing of interest bearing deposits in the current low interest rate environment. Average FHLB borrowings decreased $13.9 million to $37.9 million for the three months ended March 31, 2012 compared to $51.8 million for the comparable period in 2011, while the average rate paid on borrowings decreased 14 basis points to 3.35%. Excess liquidity was used to repay FHLB advances during the prior fiscal year.
 
Provision for Loan Losses
The provision for loan losses for the three months ended March 31, 2012 was $600,000, compared to a provision of $1.4 million for the comparable period in 2011. Net charge-offs for the three months ended March 31, 2012 were $4.7 million compared to $1.5 million for the comparable period in 2011. Net charge-offs for the three ended March 31, 2012 were primarily attributable to problem loans previously identified and reserved for in our allowance for loan losses. Management reviews the level of the allowance for loan losses on a monthly basis and establishes the provision for loan losses based on changes in the nature and volume of the loan portfolio, the amount of impaired and classified loans, historical loan loss experience and other qualitative factors. In addition, the Federal Deposit Insurance Corporation and Tennessee Department of Financial Institutions, as an integral part of their examination process, periodically review our allowance for loan losses and may require the Company to recognize adjustments to the allowance for loan losses based on their judgments about information available to them at the time of their examination.
 
Noninterest Income
Noninterest income decreased $1.2 million to $508,000 for the three months ended March 31, 2012 compared to $1.7 million for the same period in 2011, due primarily to gains realized on the sale of investment securities during the prior year period totaling $1.3 million. Loss on sale of foreclosed real estate declined $125,000 to $61,000 for the three months ended March 31, 2012 compared to $186,000 for the prior year period.
 
 
24

 
 
The following table summarizes the dollar amounts for each category of noninterest income, and the dollar and percent changes for the three months ended March 31, 2012 compared to the same period in 2011.
 
   
Three Months Ended
             
   
March 31,
    $     %
   
2012
   
2011
   
Change
   
Change
   
(Dollars in thousands)
               
                           
Noninterest income:
                         
Mortgage origination fee income
  $ 68     $ 66     $ 2       3.0 %
Service charges and fees
    265       286       (21 )     (7.3 %)
(Loss) gain on investment securities
    -       1,279       (1,279 )     (100.0 %)
Gain (loss) on sale of foreclosed real estate, net
    (61 )     (186 )     125       (67.2 %)
BOLI increase in cash value
    58       58       -       0.0 %
Other
    178       194       (16 )     (8.2 %)
 Total noninterest income
  $ 508     $ 1,697     $ (1,189 )     (70.1 %)
 
Noninterest Expense
Total noninterest expense decreased $863,000, or 18.6%, to $3.8 million for the three months ended March 31, 2012 compared to $4.6 million for the corresponding period in 2011. Noninterest expense for the three months ended March 31, 2011 included prepayment penalties of $585,000 incurred on the early payoff of FHLB advances. Compensation expense decreased $126,000, or 7.8%, to $1.5 million for the three months ended March 31, 2012 compared to $1.6 million for the same period in 2011 as the Bank has reduced its number of employees through attrition. Valuation adjustments and expenses on other real estate owned decreased $98,000 to $273,000 for the three months ended March 31, 2012 compared to $371,000 for the same period in 2011.
 
The following table summarizes the dollar amounts for each category of noninterest expense, and the dollar and percent changes for the three months ended March 31, 2012 compared to the same period in 2011.
 
   
Three Months Ended
             
   
March 31,
    $     %
   
2012
   
2011
   
Change
   
Change
   
(Dollars in thousands)
               
                           
Noninterest expense:
                         
Compensation and benefits
  $ 1,494     $ 1,620     $ (126 )     (7.8 %)
Occupancy expense
    334       309       25       8.1 %
Equipment and data processing expense
    591       638       (47 )     (7.4 %)
Deposit insurance premiums
    203       165       38       23.0 %
Advertising
    155       62       93       150.0 %
Professional services
    72       144       (72 )     (50.0 %)
Valuation adjustment and expenses on OREO
    273       371       (98 )     (26.4 %)
Amortization of intangible assets
    106       120       (14 )     (11.7 %)
Loss on early extinguishment of debt
    -       585       (585 )     (100.0 %)
Other
    544       621       (77 )     (12.4 %)
Total noninterest expense
  $ 3,772     $ 4,635     $ (863 )     (18.6 %)
 
 
25

 
 
Income Taxes
Income tax expense for the three months ended March 31, 2012 was $31,000 compared to $149,000 for the same period in 2011 due to lower taxable income.
 
Results of Operations for the Nine Months Ended March 31, 2012 and 2011
 
Net Income
For the nine months ended March 31, 2012, the Company reported a net loss of $4.3 million, or $0.69 per diluted share, compared to net income of $878,000, or $0.14 per diluted share, for the corresponding period in 2011. Financial results for the nine months ended March 31, 2012 included a provision for loan losses totaling $9.3 million compared to a provision of $2.4 million for the nine months ended March 31, 2011. The increase in the provision for loan losses was attributable to higher realized and estimated losses in the commercial loan portfolio.
 
   
Nine Months Ended
 
   
March 31,
 
   
2012
   
2011
 
   
(Dollars in thousands,
 
   
except per share data)
 
             
Net earnings
  $ (4,291 )   $ 878  
Net earnings per share, basic
  $ (0.69 )   $ 0.14  
Net earnings per share, diluted
  $ (0.69 )   $ 0.14  
Return on average assets (annualized)
    (1.05 %)     0.19 %
Return on average equity (annualized)
    (10.44 %)     2.05 %
 
Net Interest Income
 
Net interest income remained relatively stable at $13.6 million compared to $13.5 million for the nine months ended March 31, 2011. The interest rate spread and net interest margin for the nine months ended March 31, 2012 were 3.62% and 3.74%, respectively, compared to 3.08% and 3.21%, respectively, for the same period in 2011.
 
 
26

 
 
The following table summarizes changes in interest income and expense for the nine month periods ended March 31, 2012 and 2011:
 
   
Nine Months
             
   
Ended
             
   
March 31,
             
   
2012
   
2011
   
$ Change
   
% Change
   
(Dollars in thousands)
             
                         
Interest income:
                       
Loans
  $ 15,595     $ 18,443     $ (2,848 )   (15.4 %)
Investment securities
    1,412       1,302       110     8.4 %
Interest-earning deposits
    149       151       (2 )   (1.3 %)
FHLB stock
    41       155       (114 )   (73.5 %)
Total interest income
    17,197       20,051       (2,854 )   (14.2 %)
                               
Interest expense:
                             
Deposits
    2,427       4,490       (2,063 )   (45.9 %)
Repurchase Agreements
    5       5       -     0.0 %
Borrowings
    956       1,788       (832 )   (46.5 %)
Subordinated Notes & Debentures
    243       241       2     0.8 %
Total interest expense
    3,631       6,524       (2,893 )   (44.3 %)
                               
Net interest income
  $ 13,566     $ 13,527     $ 39     0.3 %
 
The following table summarizes average balances and average yields and costs for the nine months ended March 31, 2012 and 2011.
 
   
Nine Months Ended March 31,
   
2012
 
2011
   
Average
   
Yield/
 
Average
   
Yield/
   
Balance
   
Cost
 
Balance
   
Cost
   
(Dollars in thousands)
 
                         
Loans
  $ 371,555     5.59 %   $ 422,854     5.81 %
Investment securities
    81,676     2.38 %     50,147     3.63 %
Interest-earning deposits
    26,597     0.21 %     84,995     0.24 %
FHLB stock
    4,735     4.19 %     4,735     4.36 %
Deposits
    386,666     0.84 %     439,852     1.36 %
FHLB advances
    37,916     3.36 %     67,960     3.50 %
Repurchase agreements
    949     0.70 %     1,074     0.62 %
Subordinated debentures
    7,171     4.51 %     7,059     4.55 %
 
The following table sets forth the effects of changing rates and volumes on our net interest income. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionately based on the changes due to rate and the changes due to volume.
 
 
27

 
 
   
Nine Months
 
   
Ended March 31,
 
   
2012 Compared to 2011
 
   
Increase (Decrease)
       
   
Due To
       
   
Volume
   
Rate
   
Net
 
   
(In thousands)
 
Interest income:
                 
Loans receivable
  $ (2,173 )   $ (675 )   $ (2,848 )
Investment securities
    26       84       110  
Daily interest-earning deposits and other interest-earning assets
    (92 )     (24 )     (116 )
 Total interest-earning assets
    (2,239 )     (615 )     (2,854 )
                         
Interest expense:
                       
Deposits
    (493 )     (1,570 )     (2,063 )
FHLB advances
    (760 )     (72 )     (832 )
Repurchase agreements
    -       -       -  
Subordinatd debentures
    4       (2 )     2  
Total interest-bearing liabilities
    (1,249 )     (1,644 )     (2,893 )
Net change in interest income
  $ (990 )   $ 1,029     $ 39  
 
Total interest income decreased $2.9 million, or 14.2%, to $17.2 million for the nine months ended March 31, 2012 primarily due to a lower volume of interest-earning assets and lower market interest rates. The average balance of interest-earning assets declined $78.2 million, or 13.9%, to $484.6 million for the nine months ended March 31, 2012 compared to $562.7 million for the same period in 2011, due primarily to declines in average loan balances and interest-earning deposits. The average yield on interest-earning assets was 4.74% for the nine months ended March 31, 2012 compared to 4.76% for the same period in 2011.
 
Interest on loans decreased $2.8 million, or 15.4%, to $15.6 million for the nine months ended March 31, 2012 primarily due to a lower average balance of loans and a lower average yield. The average balance of loans decreased $51.3 million, or 12.1%, to $371.6 million for the nine months ended March 31, 2012, due to the combination of reduced loan demand, normal paydowns on existing loans, transfers to OREO and charge-offs. The average yield on loans was 5.59% for the nine months ended March 31, 2012 compared to 5.81% for the same period in 2011.
 
Interest on investment securities increased to $1.4 million for the nine months ended March 31, 2012 compared to $1.3 million for the same period in 2011. The average balance of investment securities increased $31.5 million to $81.7 million for the nine months ended March 31, 2012 compared to $50.1 million for the corresponding period in 2011 as excess liquidity has been deployed into the investment portfolio. The average yield on investment securities decreased to 2.38% for the nine months ended March 31, 2012 compared to 3.64% for the same period in 2011 due to lower market interest rates.
 
Total interest expense decreased $2.9 million to $3.6 million for the nine months ended March 31, 2012 compared to $6.5 million for the corresponding period in 2011 primarily due to lower interest rates on deposits and a lower average balance of both deposits and FHLB borrowings. The average rate paid on deposits was 0.84% for the nine months ended March 31, 2012, compared to 1.36% for the same period in 2011 due to downward repricing of interest bearing deposits in the current low interest rate environment. Average FHLB borrowings decreased $30.0 million to $37.9 million for the nine months ended March 31, 2012 compared to $68.0 million for the comparable period in 2011, while the average rate paid on borrowings decreased 15 basis points to 3.36%. Excess liquidity was used to repay FHLB advances during the prior fiscal year.
 
 
28

 
 
Provision for Loan Losses
The provision for loan losses for the nine months ended March 31, 2012 was $9.3 million, compared to a provision of $2.4 million for the comparable period in 2011. The increase in the provision for loan losses was attributable to higher realized and estimated losses. Net charge-offs for the nine months ended March 31, 2012 were $10.6 million compared to $4.1 million for the comparable period in 2011.
 
Noninterest Income
Noninterest income decreased $1.8 million to $1.7 million for the nine months ended March 31, 2012 compared to $3.5 million for the same period in 2011, due primarily to gains realized on the sale of investment securities during the prior year period. Gain on sale of investment securities was $39,000 for the nine months ended March 31, 2012 compared to $2.0 million for the same period in 2011. Mortgage origination fee income decreased $166,000, or 38.6%, to $264,000 for the nine months ended March 31, 2012 due to lower demand for residential mortgage refinancing. Service charges and fees declined $116,000, or 12.1%, to $841,000 for the nine months ended March 31, 2012 compared to the prior year period. Loss on sale of foreclosed real estate was $140,000 for the nine months ended March 31, 2012 compared to $591,000 for the comparable period in 2011.
 
The following table summarizes the dollar amounts for each category of noninterest income, and the dollar and percent changes for the nine months ended March 31, 2012 compared to the same period in 2011.
 
   
Nine Months Ended
             
   
March 31,
    $     %
   
2012
   
2011
   
Change
   
Change
   
(Dollars in thousands)
               
                           
Noninterest income:
                         
Mortgage origination fee income
  $ 264     $ 430     $ (166 )     (38.6 %)
Service charges and fees
    841       957       (116 )     (12.1 %)
Gain (loss) on sale of fixed assets
    (19 )     -       (19 )     -  
(Loss) gain on investment securities
    39       2,031       (1,992 )     (98.1 %)
Gain (loss) on sale of foreclosed real estate, net
    (140 )     (591 )     451       (76.3 %)
BOLI increase in cash value
    177       177       -       0.0 %
Other
    527       527       -       0.0 %
Total noninterest income
  $ 1,689     $ 3,531     $ (1,842 )     (52.2 %)
 
Noninterest Expense
Total noninterest expense decreased $488,000, or 3.6%, to $12.9 million for the nine months ended March 31, 2012 compared to $13.4 million for the corresponding period in 2011. Noninterest expense for the nine months ended March 31, 2011 included prepayment penalties of $775,000 incurred on the early payoff of FHLB advances. Compensation expense decreased $439,000 to $4.6 million for the nine months ended March 31, 2012 compared to $5.1 million for the same period in 2011 due to employee attrition. Valuation adjustments and expenses on other real estate owned increased $669,000 to $2.1 million for the nine months ended March 31, 2012 compared to $1.5 million for the same period in 2011.
 
 
29

 
 
The following table summarizes the dollar amounts for each category of noninterest expense, and the dollar and percent changes for the nine months ended March 31, 2012 compared to the same period in 2011.
 
   
Nine Months Ended
             
   
March 31,
    $     %
   
2012
   
2011
   
Change
   
Change
   
(Dollars in thousands)
             
                         
Noninterest expense:
                       
Compensation and benefits
  $ 4,625     $ 5,064     $ (439 )   (8.7 %)
Occupancy expense
    1,047       1,031       16     1.6 %
Equipment and data processing expense
    1,798       1,900       (102 )   (5.4 %)
Deposit insurance premiums
    606       490       116     23.7 %
Advertising
    290       167       123     73.7 %
Professional services
    383       387       (4 )   (1.0 %)
Valuation adjustment and expenses on OREO
    2,144       1,475       669     45.4 %
Amortization of intangible assets
    336       377       (41 )   (10.9 %)
Loss on early extinguishment of debt
    -       775       (775 )   (100.0 %)
Other
    1,658       1,709       (51 )   (3.0 %)
Total noninterest expense
  $ 12,887     $ 13,375     $ (488 )   (3.6 %)
 
Income Taxes
Income tax benefit for the nine months ended March 31, 2012 was $2.6 million compared to income tax expense of $455,000 for the same period in 2011 due to lower taxable income.
 
Financial Condition
 
Cash, Cash Equivalents and Interest-Earning Deposits
Cash, cash equivalents, and interest-earning deposits decreased $1.9 million to $38.6 million at March 31, 2012 compared to $40.5 million at June 30, 2011.
 
Investments
The Company’s investment security portfolio primarily consists of U.S. Government agency obligations, mortgage-backed securities issued by government-sponsored entities, and municipal bonds. Investment securities increased to $89.3 million at March 31, 2012 compared to $74.8 million at June 30, 2011. Investments classified as available-for-sale are carried at fair market value and reflect an unrealized gain of $1.3 million, or $811,000 net of taxes, at March 31, 2012. The $14.5 million increase in the investment portfolio is the result of excess liquidity deployed into the investment portfolio.
 
Loans
Net loans decreased $37.1 million to $341.5 million at March 31, 2012 compared to $378.6 million at June 30, 2011 due primarily to reduced loan demand combined with normal paydowns on existing loans, transfers to OREO and charge-offs. Reduced loan demand has resulted from continued economic weakness in the Bank’s market areas.
 
 
30

 
 
Loans receivable, net, are summarized as follows:
 
   
At
   
At
             
   
March 31,
   
June 30,
             
   
2012
   
2011
             
         
Percent
         
Percent
    $     %
   
Amount
   
of Portfolio
   
Amount
   
of Portfolio
   
Change
   
Change
   
(Dollars in thousands)
               
Real estate loans:
                                     
Residential one-to four-family
  $ 99,494       28.5 %   $ 110,046       28.4 %   $ (10,552 )     (9.6 %)
Home equity line of credit
    19,050       5.5 %     20,029       5.2 %     (979 )     (4.9 %)
Commercial
    139,373       40.0 %     144,519       37.3 %     (5,146 )     (3.6 %)
Multi-family
    10,836       3.1 %     14,062       3.6 %     (3,226 )     (22.9 %)
Construction
    2,241       0.6 %     2,171       0.6 %     70       3.2 %
Land
    28,485       8.2 %     30,053       7.8 %     (1,568 )     (5.2 %)
                                                 
                                                 
Total real estate loans
    299,479       85.9 %     320,880       82.9 %     (21,401 )     (6.7 %)
                                                 
Commercial business loans
    44,377       12.7 %     60,497       15.6 %     (16,120 )     (26.6 %)
                                                 
                                                 
Consumer loans:
                                               
Automobile loans
    875       0.3 %     1,237       0.3 %     (362 )     (29.3 %)
Mobile home loans
    7       0.0 %     13       0.0 %     (6 )     (46.2 %)
Loans secured by deposits
    1,070       0.3 %     1,268       0.3 %     (198 )     (15.6 %)
Other consumer loans
    2,876       0.8 %     3,235       0.8 %     (359 )     (11.1 %)
                                                 
Total consumer loans
    4,828       1.4 %     5,753       1.5 %     (925 )     (16.1 %)
                                                 
Total gross loans
    348,684       100.0 %     387,130       100.0 %     (38,446 )     (9.9 %)
                                                 
Less:
                                               
Deferred loan fees, net
    (353 )             (362 )             9       (2.5 %)
Allowance for losses
    (6,807 )             (8,181 )             1,374       (16.8 %)
Loans receivable, net
  $ 341,524             $ 378,587             $ (37,063 )     (9.8 %)
 
Loan Loss Allowance
The allowance for loan losses is a valuation allowance for probable losses inherent in the loan portfolio. We evaluate the need to establish reserves against losses on loans on a monthly basis. When additional reserves are necessary, a provision for loan losses is charged to earnings.
 
In connection with assessing the allowance, we have established a systematic methodology for determining the adequacy of the allowance for loan losses. The methodology utilizes a loan grading system which segments loans with similar risk characteristics. Management performs a monthly assessment of the allowance for loan losses based on the nature and volume of the loan portfolio, the amount of impaired and classified loans and historical loan loss experience. In addition, management considers other qualitative factors, including delinquency trends, economic conditions and loan considerations.
 
 
31

 
 
The FDIC and the Tennessee Department of Financial Institutions, as an integral part of their examination process, periodically review our allowance for loan losses. The FDIC and/or the Tennessee Department of Financial Institutions may require us to make additional provisions for loan losses based on judgments different from ours.
 
The allowance for loan losses was $6.8 million at March 31, 2012 compared to $8.2 million at June 30, 2011. Our allowance for loan losses represented 1.95% of total loans and 36.86% of nonperforming loans at March 31, 2012 compared to 2.11% of total loans and 99.19% of nonperforming loans at June 30, 2011.
 
   
Three Months Ended
   
Nine Months Ended
 
   
March 31,
   
March 31,
 
   
2012
   
2011
   
2012
   
2011
 
   
(Dollars in thousands)
   
(Dollars in thousands)
 
                         
Balance at beginning of period
  $ 10,880     $ 7,945     $ 8,181     $ 9,649  
Provision for loan losses
    600       1,400       9,273       2,350  
Recoveries
    175       11       257       113  
Charge-offs
    (4,848 )     (1,475 )     (10,904 )     (4,231 )
Net charge-offs
    (4,673 )     (1,464 )     (10,647 )     (4,118 )
Allowance at end of period
  $ 6,807     $ 7,881     $ 6,807     $ 7,881  
                                 
Net charge-offs to average outstanding loans during the period, annualized
    5.22 %     1.43 %     3.82 %     1.30 %
 
Nonperforming Assets
We consider repossessed assets and nonaccrual loans to be nonperforming assets. Loans are reviewed on a monthly basis and are generally placed on nonaccrual status when the loan becomes more than 90 days delinquent. Nonperforming assets totaled $26.7 million, or 5.00% of total assets, at March 31, 2012, compared to $18.2 million, or 3.25% of total assets, at June 30, 2011 and $22.2 million, or 3.85% of total assets, at March 31, 2011. Nonaccrual loans totaled $18.5 million at March 31, 2012 compared to $8.2 million at June 30, 2011. Troubled debt restructuring (“TDR”) loans were $11.3 million at March 31, 2012 compared to $15.8 million at June 30, 2011. In general, a TDR exists when we grant a concession to a borrower experiencing financial difficulty that we normally would not otherwise consider. These concessions can result in avoidance of foreclosure proceedings and can result in the full repayment of the loan principal amount. The majority of the Bank’s TDRs involve a modification involving changes in amortization terms, reductions in interest rates, interest only payments and, in limited cases, concessions to outstanding loan balances. The amount of accruing TDR loans totaled $2.7 million at March 31, 2012. Foreclosed real estate amounted to $7.8 million at March 31, 2012 compared to $9.5 million at June 30, 2011. Foreclosed real estate is initially recorded at the lower of the amount of the loan or the fair value of the foreclosed real estate, less estimated selling costs. Any initial writedown to fair value is charged to the allowance for loan losses. Any subsequent writedown of foreclosed real estate is charged against earnings. Foreclosed real estate at March 31, 2012 consisted of vacant land totaling $1.2 million, residential property totaling $1.2 million, subdivision developments totaling $3.0 million and commercial real estate totaling $2.4 million.
 
 
32

 
 
   
March 31,
   
June 30,
 
   
2012
   
2011
 
   
(Dollars in thousands
 
Nonaccrual loans:
           
Real estate
  $ 8,609     $ 5,401  
Commercial business
    1,241       848  
Consumer
    38       41  
Total nonaccrual loans
    9,888       6,290  
                 
Nonaccrual restructured loans:
               
Real estate
    8,242       1,531  
Commercial business
    338       427  
Consumer
    -       -  
Total nonaccrual restructured loans
    8,580       1,958  
Total nonperforming loans
    18,468       8,248  
                 
Nonaccrual investments
    277       464  
Real estate owned
    7,823       9,498  
Other nonperforming assets
    147       1  
                 
Total nonperforming assets
  $ 26,715     $ 18,211  
                 
Accruing restructured loans
  $ 2,697     $ 13,821  
                 
Accruing restructured loans and nonperforming loans
  $ 21,165     $ 22,069  
                 
Total nonperforming loans to total loans
    5.30 %     2.13 %
Total nonperforming loans to total assets
    3.46 %     1.47 %
Total nonperforming assets to total assets
    5.00 %     3.25 %
 
The following table summarizes activity in OREO during the nine months ended March 31, 2012:
 
OREO balance at beginning of period
  $ 9,498  
OREO acquired
    2,495  
OREO sold
    (2,188 )
Initial valuation adjustments
    (598 )
Subsequent valuation adjustments
    (1,384 )
OREO ending balance
  $ 7,823  
 
Bank Owned Life Insurance
We hold bank owned life insurance (“BOLI”) to help offset the cost of employee benefit plans. BOLI provides earnings from accumulated cash value growth and provides tax advantages inherent in a life insurance contract. The cash surrender value of the BOLI at March 31, 2012 was $6.8 million.
 
Deposits
Total deposits decreased $20.4 million to $433.8 million at March 31, 2012 due to the planned runoff of higher cost certificates of deposit. Time deposits decreased $33.1 million, or 15.7%, to $177.8 million at March 31, 2012. Transaction accounts increased $12.6 million, or 5.2%, to $256.0 million at March 31, 2012.
 
 
33

 
 
   
March 31,
   
June 30,
             
   
2012
   
2011
   
$ Change
   
% Change
   
(Dollars in thousands)
             
                         
Noninterest-bearing accounts
  $ 54,636     $ 54,340     $ 296     0.5 %
NOW accounts
    46,974       46,134       840     1.8 %
Savings accounts
    100,589       91,637       8,952     9.8 %
Money market accounts
    53,812       51,252       2,560     5.0 %
Certificates of deposit
    177,811       210,899       (33,088 )   (15.7 %)
Total
  $ 433,822     $ 454,262     $ (20,440 )   (4.5 %)
 
Advances
FHLB advances remained unchanged at $37.9 million at March 31, 2012 compared to June 30, 2011. Additional FHLB advances may be utilized in the future to manage daily liquidity needs and to support loan growth.
 
Stockholders’ Equity
Stockholders’ equity was $52.0 million at March 31, 2012 compared to $55.9 million at June 30, 2011. Unrealized gains and losses, net of taxes, in the available-for-sale investment portfolio are reflected as an adjustment to stockholders’ equity. At March 31, 2012, the adjustment to stockholders’ equity was a net unrealized gain of $811,000 compared to a net unrealized gain of $459,000 at June 30, 2011. On November 13, 2008, the Company announced its third stock repurchase program pursuant to which up to 620,770 shares of the Company’s outstanding common stock may be repurchased. At March 31, 2012, 437,802 shares remained eligible for repurchase under the current stock repurchase program.
 
Liquidity and Capital Resources
 
Liquidity is the ability to meet current and future financial obligations of a short-term nature. Primary sources of funds consist of deposit inflows, loan repayments, maturities and sales of investment securities and borrowings from the FHLB of Cincinnati. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition.
 
Investments in liquid assets are regularly adjusted based on our assessment of expected loan demand, expected deposit flows, yields available on interest-earning deposits and securities, and the objectives of our asset/liability management program. Excess liquid assets are invested generally in interest-earning deposits and short- and intermediate-term U.S. Government agency obligations.
 
Our most liquid assets are cash and cash equivalents and marketable investment securities that are not pledged as collateral. The levels of these assets are dependent on operating, financing, lending and investing activities during any given period. At March 31, 2012, cash and cash equivalents totaled $38.6 million compared to $40.5 million at June 30, 2011. Securities classified as available-for-sale, which provide additional sources of liquidity, totaled $89.3 million at March 31, 2012 compared to $74.8 million at June 30, 2011. At March 31, 2012, approximately $13.2 million of the investment portfolio was pledged as collateral for municipal deposits, FHLB borrowings and repurchase agreements. The Company’s external sources of liquidity include borrowing capacity with the Federal Home Loan Bank of Cincinnati, the Federal Reserve, and other correspondent banks. FHLB advances remained unchanged at $37.9 million at March 31, 2012 compared to June 30, 2011. At March 31, 2012, borrowing capacity with the FHLB totaled $54.9 million based on pledged collateral, of which $17.0 million was unused. Additional eligible collateral may be transferred to the FHLB to increase borrowing capacity. The Company can borrow from the Federal Reserve Bank of Atlanta’s discount window to meet short-term liquidity requirements. At March 31, 2012, the Company had approximately $17.3 million of unused borrowing capacity based on pledged collateral with the Federal Reserve Bank discount window. In addition, the Company also maintains federal funds lines with two correspondent banks totaling $18.5 million under which no borrowings were outstanding. These federal funds lines may be terminated at any time and may not be outstanding for more than 14 consecutive days.
 
 
34

 
 
The Company anticipates that it will have sufficient funds available to meet current loan commitments. At March 31, 2012, we had approximately $7.4 million in loan commitments, consisting of commitments to fund real estate loans. In addition to commitments to originate loans, we had $4.5 million in unused letters of credit and approximately $29.9 million in unused lines of credit. At March 31, 2012, we had approximately $115.1 million in certificates of deposit due within one year and $256.0 million in other deposits without specific maturities. We believe, based on past experience, that a significant portion of those deposits will remain with us. Deposit flows are affected by the overall level of interest rates and products offered by us and our local competitors and other factors. We generally manage the pricing of our deposits to be competitive and to increase core deposits. Occasionally, we offer promotional rates on certain deposit products in order to attract deposits. We experienced a net decrease in total deposits of $20.4 million during the nine-month period ended March 31, 2012.
 
Jefferson Bancshares is a separate entity and apart from Jefferson Federal and must provide for its own liquidity. In addition to its operating expenses, Jefferson Bancshares is responsible for the payment of dividends declared for its shareholders, and interest and principal on outstanding debt. At times, Jefferson Bancshares has repurchased and retired outstanding shares of its stock pursuant to share repurchase programs adopted by the Board of Directors. Payment of dividends to Jefferson Bancshares by Jefferson Federal is limited under Tennessee law. The amount that can be paid in any calendar year, without prior approval from the Tennessee Department of Financial Institutions, cannot exceed the total of Jefferson Federal’s net income for the year combined with its retained net income for the preceding two years. Jefferson Bancshares believes that such restriction will not have an impact on its ability to meet its ongoing cash obligations.
 
Off-Balance Sheet Arrangements
 
In the normal course of operations, we engage in a variety of financial transactions that, in accordance with generally accepted accounting principles are not recorded in our financial statements. These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk. Such transactions are used primarily to manage customers’ requests for funding and take the form of loan commitments, unused lines of credit, amounts due mortgagors on construction loans, amounts due on commercial loans and commercial letters of credit.
 
For the three months ended March 31, 2012, we engaged in no off-balance sheet transactions reasonably likely to have a material effect on our financial condition, results of operations or cash flows.
 
 
35

 
 
Capital Compliance
 
The Bank is subject to various regulatory capital requirements administered by the banking regulatory agencies. As of March 31, 2012, Jefferson Federal met each of its capital requirements. The following table presents our capital position relative to our regulatory capital requirements at March 31, 2012 and June 30, 2011:
 
                             
To Be Well
                             
Capitalized Under
               
For Capital
 
Prompt Corrective
   
Actual
 
Adequacy Purposes
 
Action Provisions
   
Amount
   
Ratio
 
Amount
     
Ratio
 
Amount
     
Ratio
   
(Dollars in thousands)
 
                                         
At March 31, 2012
                                       
                                         
Total Risk-Based Capital
                                       
(To Risk Weighted Assets)
  $ 46,387     12.37 %   $ 29,998  
 >
  8.0 %   $ 37,498  
 >
  10.0 %
                                               
Tier 1 Capital
                                             
(To Risk Weighted Assets)
    41,674     11.11 %     14,999  
 >
  4.0 %     22,499  
 >
  6.0 %
                                               
Tier 1 Capital
                                             
(To Average Assets)
    41,674     8.03 %     20,762  
 >
  4.0 %     25,952  
 >
  5.0 %
                                               
At June 30, 2011
                                             
                                               
Total Risk-Based Capital
                                             
(To Risk Weighted Assets)
  $ 52,254     13.00 %   $ 32,168  
 >
  8.0 %   $ 40,210  
 >
  10.0 %
                                               
Tier 1 Capital
                                             
(To Risk Weighted Assets)
    47,189     11.74 %     16,084  
 >
  4.0 %     24,126  
 >
  6.0 %
                                               
Tier 1 Capital
                                             
(To Average Assets)
    47,189     8.50 %     22,208  
 >
  4.0 %     27,760  
 >
  5.0 %
 
Under the capital regulations of the FDIC, Jefferson Federal must satisfy various capital requirements. Banks supervised by the FDIC must maintain a minimum leverage ratio of core (“Tier I”) capital to average adjusted assets of at least 3.00% if a particular institution has the highest examination rating and at least 4.00% for all others. At March 31, 2012, Jefferson Federal’s leverage capital ratio was 8.03%. The FDIC’s risk-based capital rules require banks supervised by the FDIC to maintain a ratio of risk-based capital to risk-weighted assets of at least 8.00%. Risk-based capital for Jefferson Federal is defined as Tier 1 capital plus Tier 2 capital. At March 31, 2012, Jefferson Federal had a ratio of total capital to risk-weighted assets of 12.37%. At March 31, 2012, the Bank met the minimum regulatory capital requirements, and the Bank was “well-capitalized” within the meaning of federal regulatory requirements.
 
 
36

 
 
 
For a discussion of the Company’s asset and liability management policies, as well as the potential impact of interest rate changes upon the market value of the Company’s portfolio equity, see Item 7A in the Company’s Annual Report on Form 10-K for the year ended June 30, 2011. Management, as part of its regular practices, performs periodic reviews of the impact of interest rate changes upon net interest income and the market value of the Company’s portfolio equity. Based on, among other factors, such reviews, management believes that there have been no material changes in the market risk of the Company’s asset and liability position since June 30, 2011.
 
 
The Company’s management, including the Company’s principal executive officer and principal financial officer, have evaluated the effectiveness of the Company’s “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Based upon their evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the Company files or submits under the Exchange Act with the Securities and Exchange Commission (the “SEC”) (1) is recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms, and (2) is accumulated and communicated to the Company’s management, including its principal executive and principal financial officers, as appropriate to allow timely decisions regarding required disclosure. In addition, based on that evaluation, no change in the Company’s internal control over financial reporting occurred during the quarter ended March 31, 2012 that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.
 
 
37

 
 
 
 
Jefferson Bancshares is not a party to any pending legal proceedings. Periodically, there have been various claims and lawsuits involving Jefferson Federal, such as claims to enforce liens, condemnation proceedings on properties in which Jefferson Federal holds security interests, claims involving the making and servicing of real property loans and other issues incident to Jefferson Federal’s business. Jefferson Federal is not a party to any pending legal proceedings that it believes would have a material adverse effect on the financial condition or operations of the Company or the Bank.
 
 
There have been no material changes to the risk factors previously disclosed in the Company’s Annual Report on Form 10-K for the year ended June 30, 2011.
 
 
                     
( d )
                     
Maximum Number
               
( c )
   
(or Approximate
               
Total Number of
   
Dollar Value)
   
(a)
   
(b)
   
Shares (or Units)
   
of Shares (or
   
Total Number
   
Average
   
Purchased as
   
Units) That May
   
of Shares
   
Price Paid
   
Part of Publicly
   
Yet Be Purchased
   
(or units)
   
per Share
   
Announced Plans
   
Under the Plans
Period
 
Purchased
   
(or Unit)
   
or Progams
   
or Programs
                         
Month #1
                       
January 1, 2012 through January 31, 2012
  -     $ -     -     437,802 (1)
                           
Month #2
                         
February 1, 2012 through February 29, 2012
  -     $ -     -     437,802 (1)
                           
Month #3
                         
March 1, 2012 through March 31, 2012
  -     $ -     -     437,802 (1)
                           
Total
  -     $ -     -     437,802  
 

(1)
On November 13, 2008, the Company announced a stock repurchase program under which the Company may repurchase up to 620,770 shares of the Company’s common stock, from time to time, subject to market conditions. The repurchase program will continue until completed or terminated by the Board of Directors.
 
 
38

 
 
 
None.
 
 
Not applicable.
 
 
None.
 
 
 
 
 
 
101.0*
The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2012, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Statements of Condition, (ii) the Consolidated Statements of Earnings, (iii) the Consolidated Statement of Changes in Stockholders’ Equity, (iv) the Consolidated Statements of Cash Flows and (v) the Notes to the Consolidated Financial Statements, tagged as blocks of text.
     
 
* Furnished, not filed.

 
 
39

 
 
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 
 
 
  JEFFERSON BANCSHARES, INC.  
May 14, 2012
/s/ Anderson L. Smith
 
 
Anderson L. Smith
 
 
President and Chief Executive Officer
 
     
May 14, 2012
/s/ Jane P. Hutton
 
 
Jane P. Hutton
 
 
Chief Financial Officer, Treasurer and Secretary
 
 
 
40 

 
 
EX-31.1 2 ex-31_1.htm CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER ex-31_1.htm


Jefferson Bancshares, Inc. 10-Q
 
EXHIBIT 31.1
 
CERTIFICATION
 
I, Anderson L. Smith, certify that:
 
1.
I have reviewed this quarterly report on Form 10-Q of Jefferson Bancshares, Inc.;
     
2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
     
3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
     
4.
The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15 (e) and 15d-15 (e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15 (f) and 15d-15 (f)) for the registrant and have:
     
 
(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
     
 
(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and in preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
     
 
(c)
Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
     
 
(d)
Disclosed in this quarterly report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
     
5.
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
     
 
(a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
     
 
(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
Date: May 14, 2012
/s/ Anderson L. Smith
 
 
Anderson L. Smith
 
 
President and Chief Executive Officer
(principal executive officer)
 
 
 

 
 
EX-31.2 3 ex-31_2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER ex-31_2.htm


 
EXHIBIT 31.2
 
CERTIFICATION
 
I, Jane P. Hutton, certify that:
 
1.
I have reviewed this quarterly report on Form 10-Q of Jefferson Bancshares, Inc.;
     
2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
     
3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
     
4.
The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15 (e) and 15d-15 (e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15 (f) and 15d-15 (f)) for the registrant and have:
     
 
(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
     
 
(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and in preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
     
 
(c)
Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
     
 
(d)
Disclosed in this quarterly report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
     
5.
The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
     
 
(a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
     
 
(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
Date: May 14, 2012
/s/ Jane P. Hutton
 
 
Jane P. Hutton
 
 
Chief Financial Officer, Treasurer and Secretary (principal financial and accounting officer)
 
 
 

 
 
EX-32.0 4 ex-32_0.htm CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER ex-32_0.htm


 
EXHIBIT 32.0
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADDED BY
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
 
In connection with the Quarterly Report of Jefferson Bancshares, Inc. (the “Company”) on Form 10-Q for the quarter ended March 31, 2012 as filed with the Securities and Exchange Commission (the “Report”), the undersigned hereby certify, pursuant to 18 U.S.C.§ 1350, as added by § 906 of the Sarbanes-Oxley Act of 2002, that:
 
 
(1)
The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
     
 
(2)
The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report.
 
 
May 14, 2012
/s/ Anderson L. Smith
 
   
Anderson L. Smith
 
   
President and Chief Executive Officer
 
       
 
May 14, 2012
/s/ Jane P. Hutton
 
   
Jane P. Hutton
 
   
Chief Financial Officer, Treasurer and Secretary
 
 
 


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All dollar amounts, other than per-share amounts, are in thousands unless otherwise noted. 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Principles of Consolidation
9 Months Ended
Mar. 31, 2012
Principles Of Consolidation  
Principles of Consolidation
(2)
Principles of Consolidation
 
The consolidated financial statements include the accounts of Jefferson Bancshares, Inc. and its wholly-owned subsidiary, Jefferson Federal Bank. All significant intercompany balances and transactions have been eliminated in consolidation.
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Basis of Presentation
9 Months Ended
Mar. 31, 2012
Basis Of Presentation  
Basis of Presentation
(1)
Basis of Presentation
 
The condensed consolidated financial statements include the accounts of Jefferson Bancshares, Inc. (the “Company” or “Jefferson Bancshares”) and its wholly-owned subsidiary, Jefferson Federal Bank (the “Bank” or “Jefferson Federal”). The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. The results of operations for the nine months ended March 31, 2012 are not necessarily indicative of the results which may be expected for the entire fiscal year or any other period. These unaudited consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended June 30, 2011, which was filed with the Securities and Exchange Commission on September 27, 2011. All dollar amounts, other than per-share amounts, are in thousands unless otherwise noted. The Company has adopted FASB ASC Topic 855 for Subsequent Events which did not significantly change the subsequent events the Company reports either through recognition or disclosure.
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Consolidated Balance Sheets (Unaudited) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2012
Jun. 30, 2011
Assets    
Cash and cash equivalents $ 3,956 $ 5,327
Interest-earning deposits 34,661 35,221
Investment securities classified as available for sale, net 89,260 74,780
Federal Home Loan Bank stock 4,735 4,735
Bank owned life insurance 6,802 6,625
Loans receivable, net of allowance for loan losses of $6,807 and $8,181 341,524 378,587
Loans held-for-sale 243   
Premises and equipment, net 26,501 26,617
Foreclosed real estate, net 7,823 9,498
Accrued interest receivable:    
Investments 404 311
Loans receivable 1,279 1,521
Deferred tax asset 11,405 9,009
Core deposit intangible 1,642 1,978
Other assets 3,795 6,980
Total Assets 534,030 561,189
Deposits    
Noninterest-bearing 55,247 54,340
Interest-bearing 378,575 399,922
Repurchase agreements 890 945
Federal Home Loan Bank advances 37,883 37,942
Subordinated debentures 7,217 7,133
Other liabilities 2,185 4,988
Total liabilities 481,997 505,270
Commitments and contingent liabilities      
Stockholders' equity    
Preferred stock, $.01 par value; 10,000,000 shares authorized; no shares issued or outstanding      
Common stock, $.01 par value; 30,000,000 shares authorized; 9,182,372 shares issued and 6,632,039 shares outstanding at March 31, 2012 and 6,634,523 shares outstanding at June 30, 2011 92 92
Additional paid-in capital (2,916) 78,895
Unearned ESOP shares 78,657 (3,241)
Unearned compensation (1,046) (1,019)
Accumulated other comprehensive income 811 459
Retained earnings 7,776 12,067
Treasury stock, at cost (2,550,333 and 2,547,849 shares) (31,341) (31,334)
Total stockholders' equity 52,033 55,919
Total liabilities and stockholders' equity $ 534,030 $ 561,189

XML 17 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
9 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Accumulated Other Comprehensive Income
   
Taxes of the change in net unrealized gain (loss) on securities available for sale $ 218 $ (1,030)
Treasury Stock
   
Purchase of common stock, shares 2,484 24,453
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XML 19 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
9 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Cash flows from operating activities:    
Net earnings $ (4,291) $ 878
Adjustments to reconcile net earnings to net cash provided by (used for) operating activities:    
Allocated ESOP shares 87 115
Depreciation and amortization expense 1,404 812
Amortization of premiums (discounts), net on investment securities 228 88
Provision for loan losses 9,273 2,350
Amortization of deferred loan fees, net (112) (209)
(Gain) loss on sale of investment securities (39) (2,031)
(Gain) loss on sale of foreclosed real estate, net 140 591
(Gain) loss on sale of fixed assets, net 19   
Deferred tax benefit (2,614) 450
Originations of mortgage loans held for sale (11,391) (16,708)
Proceeds from sale of mortgage loans 11,148 17,535
Increase in cash value of life insurance (177) (177)
Earned portion of MRP (27) 35
Decrease (increase) in:    
Accrued interest receivable 149 186
Other assets 3,185 (4,432)
Increase (decrease) in other liabilities and accrued income taxes (2,803) 4,145
Net cash provided by (used for) operating activities 4,179 3,628
Cash flows used for investing activities:    
Loan originations, net of principal collections 27,235 30,045
Investment securities classified as available-for-sale:    
Proceeds from maturities, calls and prepayments 42,132 41,899
Proceeds from sale 501 11,778
Purchase of securities (56,771) (45,371)
Proceeds from sale of premises and equipment 26   
Purchase of premises and equipment (707) (183)
Proceeds from sale of (additions to) foreclosed real estate, net 1,962 3,363
Net cash provided by (used for) investing activities 14,378 41,531
Cash flows from financing activities:    
Net decrease in deposits (20,407) (9,907)
Net increase (decrease) in repurchase agreements (55) 48
Proceeds from advances from FHLB    309
Repayment of FHLB advances (19) (46,625)
Purchase of treasury stock (7) (86)
Dividends paid      
Net cash provided by (used for) financing activities (20,488) (56,261)
Net increase (decrease) in cash, cash equivalents and interest-earning deposits (1,931) (11,102)
Cash, cash equivalents and interest-earning deposits at beginning of period 40,548 69,303
Cash, cash equivalents and interest-earning deposits at end of period 38,617 58,201
Cash paid during period for:    
Interest on deposits 2,361 4,470
Interest on borrowed funds 786 1,788
Interest on subordinated debentures 159 162
Income taxes    50
Real estate acquired in settlement of loans $ 2,495 $ 11,897
XML 20 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (Unaudited) (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Mar. 31, 2012
Jun. 30, 2011
Consolidated Balance Sheets    
Allowance for loan losses $ 6,807 $ 8,181
Preferred stock, par value $ 0.01 $ 0.01
Preferred stock, shares authorized 10,000,000 10,000,000
Preferred stock, shares issued 0 0
Preferred stock, shares outstanding 0 0
Common stock, par value $ 0.01 $ 0.01
Common stock, shares authorized 30,000,000 30,000,000
Common stock, shares issued 9,182,372 9,182,372
Common stock, shares outstanding 6,632,039 6,634,523
Treasury stock, shares 2,550,333 2,547,849
XML 21 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities
9 Months Ended
Mar. 31, 2012
Investment Securities  
Investment Securities
(10)
Investment Securities
   
 
Investment securities are summarized as follows:
 
At March 31, 2012
                       
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities available-for-sale
                       
Debt securities:
                       
Federal agency
  $ 24,217     $ 242     $ (160 )   $ 24,299  
Mortgage-backed
    58,683       1,534       (247 )   $ 59,970  
Municipals
    4,436       276       -       4,712  
Other Securities
    609       -       (330 )     279  
Total securities available-for-sale
  $ 87,945     $ 2,052     $ (737 )   $ 89,260  
                                 
Weighted-average rate
    2.32 %                        
                                 
Pledged at March 31, 2012
  $ 13,186                          
 
At June 30, 2011
                       
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities available-for-sale
                       
Debt securities:
                       
Federal agency
  $ 43,721     $ 228     $ -     $ 43,949  
Mortgage-backed
    24,551       861       (56 )     25,356  
Municipals
    5,150       112       (25 )     5,237  
Other Securities
    613       -       (375 )     238  
Total securities available-for-sale
  $ 74,035     $ 1,201     $ (456 )   $ 74,780  
                                 
Weighted-average rate
    2.35 %                        
                                 
Pledged at June 30, 2011
  $ 19,389                          
 
  Securities with unrealized losses not recognized in income are as follows:
 
   
Less than 12 months
   
12 months or more
   
Total
 
   
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
   
Value
   
Losses
   
Value
   
Losses
   
Value
   
Losses
 
   
(Dollars in thousands)
 
March 31, 2012
                                   
Federal agency securities
  $ 7,837     $ (160 )   $ -     $ -     $ 7,837     $ (160 )
Mortgage-backed securities
    8,607       (141 )     629       (106 )     9,236       (247 )
Municipal securities
    -       -       -       -       -       -  
Other securities
    -       -       279       (330 )     279       (330 )
    $ 16,444     $ (301 )   $ 908     $ (436 )   $ 17,352     $ (737 )
 
 
The Company evaluates its securities with significant declines in fair value on a quarterly basis to determine whether they should be considered temporarily or other than temporarily impaired. The Company has recognized all of the unrealized losses reflected in the foregoing table in other comprehensive income. The Company neither has the intent to sell nor is forecasting the need or requirement to sell the securities before their anticipated recovery.
   
 
Federal Agency Securities – The unrealized losses of $160,000 for these six federal agency securities were caused by changes in market interest rates. The contractual cash flows of these investments are guaranteed by an agency of the U.S. Government. Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company does not intend to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at March 31, 2012.
   
 
GSE Residential Mortgage-Backed Securities – The unrealized losses of $141,000 for these five GSE mortgage-backed securities was caused by changes in market interest rates. The contractual cash flows of these investments are guaranteed by an agency of the U.S. Government. Accordingly it is expected that the securities would not be settled at a price less than the amortized bases of the Company’s investments. Because the decline in market value is attributable to changes in market interest rates and not credit quality, and because the Company does not intend to sell the investments before recovery of their amortized cost bases and it is not more likely than not the Company does not intend to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider these investments to be other-than-temporarily impaired at March 31, 2012.
   
 
Private-Label Residential Mortgage-Backed Securities - The unrealized losses of $106,000 for this private-label mortgage-backed security is primarily driven by higher projected collateral losses, wider credit spreads and changes in interest rates as indicated by the annual independent valuation of the investment. The valuation methodology used is a future cash flow analysis which is built upon a model based on collateral-specific assumptions as they relate to the underlying loans. Given the expected improvement in the future performances of the expected cash flow, the unrealized losses are not deemed to be attributable to credit quality. Accordingly it is expected that the security would not be settled at a price less than the amortized bases of the Company’s investment. Because the decline in market value is attributable to higher projected collateral losses, wider credit spreads and changes in interest rates and not credit quality, the Company expects to recover the entire amortized cost bases of this security.
 
 
Other Securities – The unrealized loss of $330,000 on this CDO was a result of updated variables and inputs that comprise the model used in the annual independent valuation of this security. The collateral for the CDO investment is comprised of trust preferred securities and senior and subordinated debt issued by banks, insurance companies, REIT’s, real estate operating companies and homebuilding companies. The CDO security is valued using three different scenarios as a predictor of future collateral performance and the fair market value determined accordingly. Given the expected improvement in the future performance of the collateral, the unrealized loss is not deemed to be attributable to credit quality. Since the Company does not intend to sell this investment before recovery of its amortized cost basis, which may be maturity, the Company does not consider this investment to be other-than-temporarily impaired at March 31, 2012.
   
 
Maturities of debt securities at March 31, 2012, are summarized as follows:
 
               
Weighted
 
   
Amortized
   
Fair
   
Average
 
   
Cost
   
Value
   
Yield
 
                   
Within 1 year
  $ 391     $ 392       2.50 %
Over 1 year through 5 years
    12,795       12,979       1.67 %
After 5 years through 10 years
    14,070       14,308       2.71 %
Over 10 years
    60,689       61,581       3.12 %
    $ 87,945     $ 89,260       2.32 %
XML 22 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information
9 Months Ended
Mar. 31, 2012
May 15, 2012
Document And Entity Information    
Entity Registrant Name JEFFERSON BANCSHARES INC  
Entity Central Index Key 0001222915  
Document Type 10-Q  
Document Period End Date Mar. 31, 2012  
Amendment Flag false  
Current Fiscal Year End Date --06-30  
Is Entity a Well-known Seasoned Issuer? No  
Is Entity a Voluntary Filer? No  
Is Entity's Reporting Status Current? Yes  
Entity Filer Category Smaller Reporting Company  
Entity Common Stock, Shares Outstanding   6,632,039
Document Fiscal Period Focus Q3  
Document Fiscal Year Focus 2012  
XML 23 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Disclosures
9 Months Ended
Mar. 31, 2012
Fair Value Disclosures [Abstract]  
Fair Value Disclosures
(11)
Fair Value Disclosures
   
 
Fair value is defined as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. When measuring fair value, the Company uses valuation techniques that are appropriate and consistently applied. A hierarchy is also established under the standard and is used to prioritize valuation inputs into the following three levels used to measure fair value:
   
 
Level 1
   
 
Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as certain U.S. Treasury, other U.S. Government and agency mortgage-backed debt securities that are highly liquid and are actively traded in over-the-counter markets.
   
 
Level 2
   
 
Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes certain U.S. Government and agency mortgage-backed debt securities, corporate debt securities, derivative contracts and residential mortgage loans held-for-sale.
 
 
Level 3
   
 
Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. This category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts.
   
 
The following is a description of valuation methodologies used for assets recorded at fair value.
   
 
Investment Securities Available for Sale
   
 
Level 2 investment securities classified as “available-for-sale” are recorded at fair value on a recurring basis. Fair value measurements are based upon independent pricing models or other model-based valuation techniques with inputs that are observable in the market or that can be derived principally from or corroborated by observable market data. Level 2 securities include mortgage-backed securities issued by government-sponsored entities, municipal bonds, bonds issued by government agencies, and corporate debt securities. Level 3 investment securities classified as “available-for-sale” are recorded at fair value on at least a semi-annual basis. Fair value measurements are based upon independent pricing models based upon unobservable inputs which require significant management judgment or estimation. Level 3 includes certain mortgage-backed securities and other debt securities.
   
 
Impaired Loans
   
 
The Company records loans at fair value on a non-recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows.
   
 
Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At March 31, 2012, substantially all of the total impaired loans were evaluated based on either the fair value of the collateral or its liquidation value. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the impaired loan as nonrecurring Level 3.
 
 
Assets and Liabilities Recorded at Fair Value on a Recurring Basis
   
 
Below is a table that presents information about certain assets and liabilities measured at fair value:
 
   
March 31, 2012
                    Total Carrying      
                    Amount in      
                    Statement of   Assets/Liabilities
                    Financial   Measured at
Description
 
Level 1
  Level 2   Level 3   Condition   Fair Value
                             
Securities available for sale
 
 -
  $
86,244
  $
3,016
  $
89,260
  $
89,260
 
 
Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis
   
 
The Company may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis are included in the table below.
 
   
March 31, 2012
                  Total Carrying      
                  Amount in      
                  Statement of   Assets/Liabilities
                  Financial   Measured at
Description
 
Level 1
 
Level 2
  Level 3    Condition   Fair Value
                           
Impaired Loans
 
 -
 
 -
  $
24,897
  $
24,897
  $
24,897
 
 
The carrying value and estimated fair value of the Company’s financial instruments are as follows:
 
   
March 31, 2012
   
June 30, 2011
 
   
Carrying
   
Fair
   
Carrying
   
Fair
 
   
Amount
   
Value
   
Amount
   
Value
 
                         
Financial assets:
                       
Cash and due from banks and interest-earning deposits with banks
  $ 38,617     $ 38,617     $ 40,548     $ 40,548  
Available-for-sale securities
    89,260       89,260       74,780       74,780  
Federal Home Loan Bank stock
    4,735       4,735       4,735       4,735  
Loans receivable, net
    341,524       348,309       378,587       379,787  
Accrued interest receivable
    1,683       1,683       1,832       1,832  
Loans held-for-sale
    243       243       -       -  
                                 
Financial liabilities:
                               
Deposits
    (433,822 )     (426,261 )     (454,262 )     (446,115 )
Borrowed funds
    (38,773 )     (40,684 )     (38,887 )     (40,718 )
Subordinated debentures
    (7,217 )     (4,500 )     (7,133 )     (6,277 )
                                 
Off-balance sheet assets (liabilities):
                               
Commitments to extend credit
    -       7,394       -       11,932  
Unused letters of credit
    -       4,453       -       4,809  
Unused lines of credit
    -       29,934       -       34,362  
XML 24 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Earnings (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Mar. 31, 2012
Mar. 31, 2011
Consolidated Statements Of Earnings        
Interest on loans receivable $ 4,758 $ 6,049 $ 15,595 $ 18,443
Interest on investment securities 478 411 1,412 1,302
Other interest 66 105 190 306
Total interest income 5,302 6,565 17,197 20,051
Deposits 671 1,293 2,427 4,490
Repurchase agreements 2 1 5 5
Advances from FHLB 316 445 956 1,788
Subordinated debentures 84 79 243 241
Total interest expense 1,073 1,818 3,631 6,524
Net interest income 4,229 4,747 13,566 13,527
Provision for loan losses 600 1,400 9,273 2,350
Net interest income after provision for loan losses 3,629 3,347 4,293 11,177
Mortgage origination fee income 68 66 264 430
Service charges and fees 265 286 841 957
Gain on investments    1,279 39 2,031
Gain (loss) on sale of fixed assets       (19)   
Gain (loss) on sale of foreclosed real estate, net (61) (186) (140) (591)
BOLI increase in cash value 58 58 177 177
Other 178 194 527 527
Total noninterest income 508 1,697 1,689 3,531
Compensation and benefits 1,494 1,620 4,625 5,064
Occupancy expense 334 309 1,047 1,031
Equipment and data processing expense 591 638 1,798 1,900
DIF premiums 203 165 606 490
Advertising 155 62 290 167
Legal and professional services 72 144 383 387
Valuation adjustment and expenses on OREO 273 371 2,144 1,475
Amortization of intangible assets 106 120 336 377
Loss on early extinguishment of debt    585    775
Other 544 621 1,658 1,709
Total noninterest expense 3,772 4,635 12,887 13,375
Earnings before income taxes 365 409 (6,905) 1,333
Current    2    5
Deferred 31 147 (2,614) 450
Total income taxes 31 149 (2,614) 455
Net earnings $ 334 $ 260 $ (4,291) $ 878
Net earnings per share, basic $ 0.05 $ 0.04 $ (0.69) $ 0.14
Net earnings per share, diluted $ 0.05 $ 0.04 $ (0.69) $ 0.14
XML 25 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Earnings Per Common Share
9 Months Ended
Mar. 31, 2012
Earnings Per Common Share  
Earnings Per Common Share
(5)
Earnings Per Common Share
 
Earnings per common share and diluted earnings per common share have been computed on the basis of dividing net earnings by the weighted-average number of shares of common stock outstanding, exclusive of unallocated employee stock ownership plan (“ESOP”) shares. Diluted earnings per common share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued. Potential common shares that may be issued by the Company relate to outstanding stock options and are determined using the treasury stock method. For the three and nine months ended March 31, 2012, stock options to purchase 340,638 shares were not included in the computation of diluted net income per share as their effect would have been anti-dilutive. The following table illustrates the number of weighted-average shares of common stock used in each corresponding earnings per common share calculation:
 
   
Weighted-Average Shares
   
Weighted-Average Shares
 
   
Outstanding for the
   
Outstanding for the
 
   
Three Months Ended
   
Nine Months Ended
 
   
March 31,
   
March 31,
 
   
2012
   
2011
   
2012
   
2011
 
                         
Weighted average number of common shares used in computing basic earnings per common share
    6,261,939       6,231,452       6,237,203       6,211,295  
Effect of dilutive stock options
    -       -       -       -  
                                 
Weighted average number of common shares and dilutive potential common shares used in computing earnings per common share assuming dilution
    6,261,939       6,231,452       6,237,203       6,211,295  
XML 26 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Limitation on Capital Distributions
9 Months Ended
Mar. 31, 2012
Limitation On Capital Distributions  
Limitation on Capital Distributions
(4)
Limitation on Capital Distributions
 
Jefferson Federal may not pay dividends on its capital stock if its regulatory capital would thereby be reduced below the amount then required for the liquidation account established for the benefit of certain depositors of Jefferson Federal at the time of its conversion to stock form.
   
 
Under applicable regulations, Jefferson Federal is prohibited from making any capital distributions if, after making the distribution, the Bank would have: (i) total risk-based capital ratio of less than 8.0%; (ii) Tier 1 risk-based capital ratio of less than 4.0%; or (iii) a leverage ratio of less than 4.0%.
   
 
Under the banking laws of the State of Tennessee, a Tennessee chartered savings bank may not declare dividends in any calendar year in which the dividend would exceed the total of its net income for that year, combined with its retained net income for the preceding two years, without the prior approval of the Commissioner of the Tennessee Department of Financial Institutions.
XML 27 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
Subordinated Debt
9 Months Ended
Mar. 31, 2012
Subordinated Debt  
Subordinated Debt
(12)
Subordinated Debt
   
 
As part of the State of Franklin acquisition, the Company acquired State of Franklin Statutory Trust II (the “Trust”) and assumed the Trust’s obligation with respect to certain capital securities described below. On December 13, 2006, State of Franklin issued $10.3 million of junior subordinated debentures to the Trust, a Delaware business trust wholly owned by State of Franklin. The Trust (a) sold $10.0 million of capital securities through its underwriters to institutional investors and upstreamed the proceeds to State of Franklin and (b) issued $310,000 of common securities to State of Franklin. The sole assets of the Trust are the $10.3 million of junior subordinated debentures issued by State of Franklin. The securities are redeemable at par after January 30, 2012, and have a final maturity of January 30, 2037. The interest is payable quarterly at a floating rate equal to 3-month LIBOR plus 1.7%.
   
 
On January 11, 2012, the Company notified the Trustee for the Trust that, beginning with the January 30, 2012 interest payment period, the Company has elected to defer all payments of interest on the Company’s junior subordinated debentures for an indefinite period of time (but no longer than 20 consecutive quarterly periods). Under the terms of the indenture, the Company is prohibited from paying dividends on its common stock during the period that interest is deferred on the debentures.
XML 28 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Dividends
9 Months Ended
Mar. 31, 2012
Dividends [Abstract]  
Dividends
(8)
Dividends
 
On February 2, 2011, the Company announced that the Board of Directors had voted to suspend the payment of the quarterly cash dividend on the Company’s common stock in an effort to conserve capital.
XML 29 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Accounting for Allowance for Loan Losses and Impairment of a Loan
9 Months Ended
Mar. 31, 2012
Accounting For Allowance For Loan Losses And Impairment Of Loan  
Accounting for Allowance for Loan Losses and Impairment of a Loan
(6)
Accounting for Allowance for Loan Losses and Impairment of a Loan
   
 
The allowance for loan and lease losses is an estimate of the losses that are inherent in the loan and lease portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Bank’s charge-off policy is consistent with bank regulatory standards. Generally, loans are charged off when the loan becomes over 120 days delinquent. Real estate acquired as a result of foreclosure is initially recorded at the lower of the amount of the loan or the fair value, less estimated selling costs. Any writedown to fair value is charged to the allowance for loan and lease losses. Any subsequent writedown of foreclosed real estate is charged against earnings.
   
 
The allowance consists of specific and general components. The specific component relates to loans that are classified as doubtful, substandard or special mention. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors.
   
 
In connection with assessing the allowance, we have established a systematic methodology for determining the adequacy of the allowance for loan losses. Loans are grouped into pools based on loan type and include residential mortgage loans, multi-family loans, construction and land development loans, non-residential real estate loans (owner occupied and non-owner occupied), commercial loans, HELOC and junior lien, and consumer loans. Commercial business loans and loans secured by commercial real estate are generally larger and involve a greater degree of risk than residential mortgage loans. In addition, loans secured by commercial real estate are more likely to be negatively impacted by adverse conditions in the real estate market or the economy. Management utilizes a loan grading system and assigns a loan grade of “Pass”, “Watch”, “Special Mention”, “Substandard”, “Doubtful” or “Loss” based on risk characteristics of loans. Lending staff reviews the loan grades of customers on a regular basis and makes changes as needed given that the creditworthiness of customers may change over time.
 
 
Descriptions of loan grades are as follows:
   
 
Pass - loans in this category represent an acceptable risk and do not require heightened levels of monitoring by lending staff.
   
 
Watch - loans in this category represent an acceptable risk; however, require monitoring by lending staff due to potential weakness for any number of reasons.
   
 
Special Mention - loans in this category have potential weaknesses that may result in deteriorating prospects for the asset or in the Bank’s credit position at some future date.
   
 
Substandard - loans in this category are inadequately protected by the sound worth and paying capacity of the borrower or the collateral pledged. Borrowers in this category have a well-defined weakness(es) that jeopardize the proper liquidation of the debt.
   
 
Doubtful - loans classified as doubtful have a clear and defined weakness making the ultimate repayment of the loan, or portions thereof, highly improbable.
   
 
Loss - loans classified as “loss” are those of such little value that their continuance as bank assets is not warranted, even though partial recovery may be affected in the future. Charge off is required in the month this grade is assigned.
   
 
Specific valuation allowances are established for impaired loans. The Company considers a loan to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement on a timely basis. A specific reserve represents the difference between the recorded value of the loan and either its estimated fair value less estimated disposition costs, or the net present value as determined by a discounted cash flow analysis. On a quarterly basis, management evaluates individual loans and lending relationships which have outstanding principal balances of $500,000 or more and which are classified as either substandard, doubtful or loss according to the loan grading policy for impairment. Troubled debt restructurings (“TDRs”) are also considered to be impaired, except for those that have been performing under the new terms for at least six consecutive months.
   
 
A TDR occurs when the Bank grants a concession to a borrower with financial difficulties that it would not otherwise consider. The Bank has adopted the guidance and definitions found in ASU 2011-02 in determining if a borrower is experiencing financial difficulties and if a concession has been granted. The majority of the Bank’s TDRs involve a modification involving changes in amortization terms, reductions in interest rates, interest only payments and, in limited cases, concessions to outstanding loan balances. A TDR may be non-accruing or it may accrue interest. A nonaccrual TDR will be returned to accruing status at such time when the borrower successfully performs under the new terms for at least six consecutive months. The Bank’s TDRs totaled $10.7 million at March 31, 2012 compared to $15.8 million at June 30, 2011.
 
 
The following table presents the Bank’s loans classified as TDRs by loan type and accrual status as of March 31, 2012:
 
   
March 31, 2012
 
   
Accrual
   
Non-accrual
   
Total
 
   
Status
   
Status
   
TDRs
 
                   
Residential Mortgage
  $ 904     $ 523     $ 1,427  
Multi-family
    632       5,284       5,916  
Construction and land development
    153       33       186  
Non-residential real estate
    -       2,000       2,000  
Owner occupied
    -       402       402  
Commercial
    836       338       1,174  
HELOC and Junior Lien
    172       -       172  
Total
  $ 2,697     $ 8,580     $ 11,277  
 
 
The following table presents newly restructured loans with concessions related to loan balances that occurred during the three- and nine-month periods ended March 31, 2012:
 
   
Nine Months Ended March 31, 2012
 
         
Pre-Modification
   
Post-Modification
 
         
Outstanding
   
Outstanding
 
   
Number of
   
Recorded
   
Recorded
 
   
Loans
   
Investment
   
Investment
 
                   
Multi-family
    2     $ 7,775     $ 5,284  
Non-residential real estate
    1       3,025       2,000  
Total
    3     $ 10,800     $ 7,284  
 
 
The accrual of interest on all loans is discontinued at the time the loan is 90 days delinquent. All interest accrued but not collected for loans considered impaired, placed on non-accrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost-recovery method until the loan is returned to accrual status. Loans are returned to accrual status when future payments are reasonably assured. Payments received on non-accrual loans are applied to the remaining principal balance of the loans.
   
 
The evaluation of the allowance for loan and lease losses is inherently subjective, as it requires estimates that are susceptible to significant revision as more information becomes available. The Company is subject to periodic examination by regulatory agencies, which may require the Company to record increases in the allowances based on the regulator’s evaluation of available information. There can be no assurance that the Company’s regulators will not require further increases to the allowances.
 
 
The following table summarizes the activity in the allowance for loan losses for the nine months ended March 31, 2012:
 
   
Residential Mortgage
   
Multi-family
   
Construction and land development
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC and junior Lien
   
Consumer
   
Total
 
                                                       
                                                       
Allowance for Credit Losses:
                                                     
Balance at June 30, 2011
  $ 1,543     $ 1,858     $ 803     $ 1,934     $ 803     $ 1,197     $ 1,197     $ 43     $ 9,378  
Charge Offs
    (261 )     (2,491 )     (147 )     (1,102 )     (220 )     (6,617 )     (53 )     (13 )     (10,904 )
Recoveries
    5       -       -       -       -       230       3       19       257  
Provision
    (755 )     1,182       (118 )     228       (305 )     8,842       (972 )     (26 )     8,076  
Balance at March 31, 2012
  $ 532     $ 549     $ 538     $ 1,060     $ 278     $ 3,652     $ 175     $ 23     $ 6,807  
                                                                         
Ending balance, Individually Evaluated
  $ 114     $ 139     $ 294     $ 753     $ 8     $ 2,358     $ 66     $ -     $ 3,732  
Ending balance, Collectively Evaluated
  $ 418     $ 410     $ 244     $ 307     $ 270     $ 1,294     $ 109     $ 23     $ 3,075  
                                                                         
Loans:
                                                                       
Balance at March 31, 2012
  $ 101,968     $ 10,836     $ 31,327     $ 50,419     $ 75,405     $ 53,511     $ 20,191     $ 4,909     $ 348,566  
                                                                         
Ending balance, Individually Evaluated
  $ 593     $ 632     $ 1,042     $ 5,282     $ 393     $ 5,378     $ 172     $ -     $ 13,492  
Ending balance, Collectively Evaluated
  $ 101,375     $ 10,204     $ 30,285     $ 45,137     $ 75,012     $ 48,133     $ 20,019     $ 4,909     $ 335,074  
 
 
The following table is an aging analysis of the loan portfolio at March 31, 2012:
 
   
30-59 days past due
   
60-89 days past due
   
Greater than 90 days
   
Total past due
   
Total Current
   
Total loans receivable
 
                                     
Residential Mortgage
  $ 2,609     $ -     $ 5,597     $ 8,206     $ 93,762     $ 101,968  
Multi-family
    -       -       5,284       5,284       5,552       10,836  
Construction/land development
    341       1,396       976       2,713       28,614       31,327  
Non-residential real estate
    1,790       -       2,915       4,705       45,714       50,419  
Owner occupied
    242       -       1,875       2,117       73,288       75,405  
Commercial
    111       1,234       1,579       2,924       50,587       53,511  
HELOC and Junior Lien
    2       -       204       206       19,985       20,191  
Consumer
    37       3       38       78       4,831       4,909  
                                                 
Total
  $ 5,132     $ 2,633     $ 18,468     $ 26,233     $ 322,333     $ 348,566  
 
 
The following table summarizes the credit risk profile by internally assigned grade at March 31, 2012:
 
   
Residential Mortgage
   
Multi-family
   
Construction and land development
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC and Junior Lien
   
Consumer
   
Total
 
                                                       
Grade:
                                                     
Pass
  $ 89,997     $ 4,821     $ 26,358     $ 28,731     $ 66,679     $ 46,657     $ 18,312     $ 4,443     $ 285,998  
Watch
    2,984       -       1,976       15,563       6,527       1,450       622       420       29,542  
Special mention
    -       -       -       1,256       -       -       -       -       1,256  
Substandard
    8,987       6,015       2,993       4,869       2,199       5,404       1,257       46       31,770  
Doubtful
    -       -       -       -       -       -       -       -       -  
Loss
    -       -       -       -       -       -       -       -       -  
                                                                         
Total:
  $ 101,968     $ 10,836     $ 31,327     $ 50,419     $ 75,405     $ 53,511     $ 20,191     $ 4,909     $ 348,566  
 
 
The following table summarizes the composition of impaired loans, the associated specific reserves, and interest income recognized on impaired loans at March 31, 2012:
 
   
Recorded investment
   
Unpaid principal balance
   
Specific allowance
   
Interest income recognized
 
                         
With an allowance recorded:
                       
Residential Mortgage
  $ 593     $ 593     $ 114     $ 19  
Multi-family
    632       632       139       34  
Construction and land development
    1,042       1,042       294       68  
Non-residential real estate
    5,282       5,282       753       131  
Owner occupied
    393       393       8       27  
Commercial
    5,378       5,378       2,358       192  
HELOC and Junior Lien
    172       172       66       -  
Consumer
    -       -       -       -  
Total
  $ 13,492     $ 13,492     $ 3,732     $ 471  
                                 
With no related allowance:
                               
Residential Mortgage
  $ 3,021     $ 3,021     $ -     $ 133  
Multi-family
    5,284       5,284       -       98  
Construction and land development
    1,688       1,688       -       48  
Non-residential real estate
    3,098       3,098       -       132  
Owner occupied
    947       947       -       78  
Commercial
    396       396       -       31  
HELOC and Junior Lien
    703       703       -       15  
Consumer
    -       -       -       -  
Total
  $ 15,137     $ 15,137     $ -     $ 535  
                                 
Total:
                               
Residential Mortgage
  $ 3,614     $ 3,614     $ 114     $ 152  
Multi-family
    5,916       5,916       139       132  
Construction and land development
    2,730       2,730       294       116  
Non-residential real estate
    8,380       8,380       753       263  
Owner occupied
    1,340       1,340       8       105  
Commercial
    5,774       5,774       2,358       223  
HELOC and Jr Lien
    875       875       66       15  
Consumer
    -       -       -       -  
Total
  $ 28,629     $ 28,629     $ 3,732     $ 1,006  
                                 
Average impaired loans for the nine months ended March 31, 2012   $ 31,917                           
XML 30 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
Financial Instruments With Off-Balance Sheet Risk
9 Months Ended
Mar. 31, 2012
Financial Instruments With Off-Balance Sheet Risk  
Financial Instruments With Off-Balance Sheet Risk
(7)
Financial Instruments With Off-Balance Sheet Risk
 
Jefferson Bancshares is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments generally include commitments to originate mortgage loans. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company’s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount and related accrued interest receivable of those instruments. The Company minimizes this risk by evaluating each borrower’s creditworthiness on a case-by-case basis. Collateral held by the Company consists of a first or second mortgage on the borrower’s property. The amount of collateral obtained is based upon an appraisal of the property.
 
 
At March 31, 2012, we had approximately $7.4 million in commitments to extend credit, consisting of commitments to fund real estate loans. In addition to commitments to originate loans, we had $4.5 million in unused letters of credit and approximately $29.9 million in unused lines of credit.
XML 31 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stock Incentive Plans
9 Months Ended
Mar. 31, 2012
Stock Incentive Plans  
Stock Incentive Plans
(9)
Stock Incentive Plans
 
The Company maintains stock-based benefit plans under which certain employees and directors are eligible to receive stock grants or options. Under the 2004 Stock-Based Benefit Plan, a maximum of 279,500 shares may be granted as restricted stock and a maximum of 698,750 shares may be issued through the exercise of nonstatutory or incentive stock options. The exercise price of each option equals the market price of the Company’s stock on the date of grant and an option’s maximum term is ten years.
   
 
The table below summarizes the status of the Company’s stock option plans as of March 31, 2012.
 
   
Three Months Ended
 
   
March 31, 2012
 
             
         
Weighted-
 
         
average
 
   
Shares
   
exercise price
 
             
Outstanding at beginning of period
    340,638     $ 3.69  
Granted during the three-month period
    -       -  
Options forfeited
    -       -  
Options exercised
    -       -  
Outstanding at March 31, 2012
    340,638     $ 3.69  
                 
Options exercisable at March 31, 2012
    340,638     $ 3.69  
 
  The following information applies to options outstanding at March 31, 2012:
 
Number outstanding
    340,638  
Range of exercise prices
  $ 13.69  
Weighted-average exercise price
  $ 13.69  
Weighted-average remaining contractual life
    1.83  
Number of options remaining for future issuance
    358,112  
 
 
The estimated fair value of stock options at grant date was determined using the Black-Scholes option-pricing model based on market data as of January 29, 2004. An expected dividend yield of 1.17% and expected volatility of 7.01% were used to model the value. The risk free rate of return equaled 4.22%, which was based on the yield of a U.S. Treasury note with a term of ten years. The estimated time remaining before the expiration of the options equaled ten years.
XML 32 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Stockholders' Equity (USD $)
In Thousands, unless otherwise specified
Common Stock
Additional Paid-In Capital
Unallocated Common Stock in ESOP
Unearned Compensation
Accumulated Other Comprehensive Income
Retained Earnings
Treasury Stock
Total
Balance, beginning at Jun. 30, 2010 $ 92 $ 79,175 $ (3,673) $ (1,053) $ 1,206 $ 12,023 $ (31,247) $ 56,523
Comprehensive income:                
Net earnings           878   878
Change in net unrealized gain (loss) on securities available for sale, net of taxes         (1,659)      
Dividends used for ESOP payment           13    
Shares committed to be released by the ESOP   (209) 324          
Earned portion of stock grants       34        
Purchase of common stock             (86)  
Balance, ending at Mar. 31, 2011 92 78,966 (3,349) (1,019) (453) 12,914 (31,333) 55,818
Balance, beginning at Jun. 30, 2011 92 78,895 (3,241) (1,019) 459 12,067 (31,334) 55,919
Comprehensive income:                
Net earnings           (4,291)   (4,291)
Change in net unrealized gain (loss) on securities available for sale, net of taxes         352      
Shares committed to be released by the ESOP   (238) 325 (27)        
Purchase of common stock             (7)  
Balance, ending at Mar. 31, 2012 $ 92 $ 78,657 $ (2,916) $ (1,046) $ 811 $ 7,776 $ (31,341) $ 52,033
XML 33 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Use of Estimates
9 Months Ended
Mar. 31, 2012
Use Of Estimates  
Use of Estimates
(3)
Use of Estimates
 
In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the statement of condition dates and revenues and expenses for the periods shown. Actual results could differ from the estimates and assumptions used in the consolidated financial statements. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate and deferred tax assets.
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Subsequent Events
9 Months Ended
Mar. 31, 2012
Subsequent Events [Abstract]  
Subsequent Events
(13)
Subsequent Events
   
 
The company has evaluated subsequent events for potential recognition and disclosure for the three months ended March 31, 2012. No items were identified during this evaluation that required adjustment to or disclosure in the accompanying financial statements.