Call reports 2002
JERSEY STATE BANK — 2002
What JERSEY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 98,611,000 | 104,028,000 | 108,221,000 | 113,950,000 |
| Total loans | 52,078,000 | 52,362,000 | 51,808,000 | 52,618,000 |
| Allowance for loan losses | 491,000 | 517,000 | 539,000 | 568,000 |
| Securities available for sale | 23,594,000 | 30,228,000 | 32,523,000 | 42,057,000 |
| Securities held to maturity | 8,350,000 | 8,835,000 | 8,501,000 | 7,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,437,000 | 92,168,000 | 96,209,000 | 101,404,000 |
| Interest-bearing deposits | 64,517,000 | 82,957,000 | 86,748,000 | 92,347,000 |
| Noninterest-bearing deposits | 22,920,000 | 9,211,000 | 9,461,000 | 9,057,000 |
| Equity capital | 9,601,000 | 9,817,000 | 10,097,000 | 10,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 3,004,000 | 4,551,000 | 5,921,000 |
| Interest expense | 638,000 | 1,281,000 | 1,938,000 | 2,580,000 |
| Net interest income | 857,000 | 1,723,000 | 2,613,000 | 3,341,000 |
| Noninterest income | 221,000 | 427,000 | 672,000 | 1,195,000 |
| Noninterest expense | 709,000 | 1,463,000 | 2,211,000 | 3,014,000 |
| Provision for loan losses | 42,000 | 78,000 | 114,000 | 150,000 |
| Pretax income | 327,000 | 609,000 | 913,000 | 1,347,000 |
| Income tax | 92,000 | 167,000 | 252,000 | 431,000 |
| Net income | 235,000 | 442,000 | 661,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,664,000 | 9,690,000 | 9,909,000 | 9,960,000 |
| Total capital | 10,155,000 | 10,207,000 | 10,448,000 | 10,528,000 |
| Risk-weighted assets | 66,129,000 | 67,545,000 | 64,824,000 | 67,221,000 |