Call reports 2003
JERSEY STATE BANK — 2003
What JERSEY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 112,418,000 | 114,773,000 | 115,866,000 | 113,687,000 |
| Total loans | 47,868,000 | 49,860,000 | 54,880,000 | 54,632,000 |
| Allowance for loan losses | 346,000 | 340,000 | 416,000 | 435,000 |
| Securities available for sale | 43,285,000 | 41,996,000 | 35,505,000 | 35,539,000 |
| Securities held to maturity | 7,840,000 | 9,475,000 | 11,718,000 | 11,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,469,000 | 102,138,000 | 103,189,000 | 101,582,000 |
| Interest-bearing deposits | 88,948,000 | 90,150,000 | 92,474,000 | 92,069,000 |
| Noninterest-bearing deposits | 11,521,000 | 11,988,000 | 10,715,000 | 9,513,000 |
| Equity capital | 9,936,000 | 10,273,000 | 10,078,000 | 10,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,545,000 | 3,769,000 | 5,035,000 |
| Interest expense | 583,000 | 1,086,000 | 1,591,000 | 2,070,000 |
| Net interest income | 696,000 | 1,459,000 | 2,178,000 | 2,965,000 |
| Noninterest income | 401,000 | 795,000 | 1,081,000 | 1,318,000 |
| Noninterest expense | 767,000 | 1,541,000 | 2,308,000 | 3,021,000 |
| Provision for loan losses | 602,000 | 692,000 | 782,000 | 872,000 |
| Pretax income | -272,000 | 80,000 | 228,000 | 484,000 |
| Income tax | 32,000 | 32,000 | 27,000 | 70,000 |
| Net income | -304,000 | 48,000 | 201,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,650,000 | 9,817,000 | 9,885,000 | 9,920,000 |
| Total capital | 9,996,000 | 10,157,000 | 10,301,000 | 10,355,000 |
| Risk-weighted assets | 65,227,000 | 66,320,000 | 69,189,000 | 67,316,000 |