Call reports 2004
JERSEY STATE BANK — 2004
What JERSEY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 116,737,000 | 117,234,000 | 115,527,000 | 117,557,000 |
| Total loans | 55,130,000 | 57,281,000 | 58,558,000 | 56,500,000 |
| Allowance for loan losses | 444,000 | 451,000 | 460,000 | 424,000 |
| Securities available for sale | 38,608,000 | 35,368,000 | 31,934,000 | 29,771,000 |
| Securities held to maturity | 12,530,000 | 14,220,000 | 14,882,000 | 16,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,708,000 | 105,166,000 | 103,011,000 | 105,050,000 |
| Interest-bearing deposits | 93,427,000 | 92,639,000 | 91,569,000 | 92,689,000 |
| Noninterest-bearing deposits | 11,281,000 | 12,527,000 | 11,442,000 | 12,361,000 |
| Equity capital | 10,349,000 | 9,889,000 | 10,355,000 | 10,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,178,000 | 2,339,000 | 3,532,000 | 4,760,000 |
| Interest expense | 462,000 | 909,000 | 1,351,000 | 1,801,000 |
| Net interest income | 716,000 | 1,430,000 | 2,181,000 | 2,959,000 |
| Noninterest income | 276,000 | 512,000 | 853,000 | 1,143,000 |
| Noninterest expense | 755,000 | 1,501,000 | 2,268,000 | 2,991,000 |
| Provision for loan losses | 120,000 | 127,000 | 149,000 | 159,000 |
| Pretax income | 117,000 | 337,000 | 640,000 | 975,000 |
| Income tax | 5,000 | 30,000 | 107,000 | 265,000 |
| Net income | 112,000 | 307,000 | 533,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,031,000 | 10,046,000 | 10,271,000 | 10,269,000 |
| Total capital | 10,475,000 | 10,497,000 | 10,731,000 | 10,693,000 |
| Risk-weighted assets | 67,547,000 | 68,010,000 | 69,407,000 | 68,713,000 |