Call reports 2005
JERSEY STATE BANK — 2005
What JERSEY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,966,000 | 121,909,000 | 116,675,000 | 119,002,000 |
| Total loans | 55,418,000 | 54,652,000 | 53,921,000 | 53,940,000 |
| Allowance for loan losses | 435,000 | 445,000 | 464,000 | 484,000 |
| Securities available for sale | 29,766,000 | 31,794,000 | 34,533,000 | 50,906,000 |
| Securities held to maturity | 20,506,000 | 19,387,000 | 17,871,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,264,000 | 109,185,000 | 104,324,000 | 106,835,000 |
| Interest-bearing deposits | 93,164,000 | 97,178,000 | 93,139,000 | 94,688,000 |
| Noninterest-bearing deposits | 12,100,000 | 12,007,000 | 11,185,000 | 12,147,000 |
| Equity capital | 10,250,000 | 10,424,000 | 10,559,000 | 10,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,207,000 | 2,487,000 | 3,909,000 | 5,303,000 |
| Interest expense | 447,000 | 927,000 | 1,426,000 | 1,944,000 |
| Net interest income | 760,000 | 1,560,000 | 2,483,000 | 3,359,000 |
| Noninterest income | 219,000 | 545,000 | 746,000 | 939,000 |
| Noninterest expense | 726,000 | 1,439,000 | 2,213,000 | 3,011,000 |
| Provision for loan losses | 18,000 | 51,000 | 116,000 | 172,000 |
| Pretax income | 237,000 | 599,000 | 877,000 | 1,092,000 |
| Income tax | 68,000 | 181,000 | 245,000 | 310,000 |
| Net income | 169,000 | 418,000 | 632,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,442,000 | 10,512,000 | 10,730,000 | 10,699,000 |
| Total capital | 10,877,000 | 10,957,000 | 11,194,000 | 11,183,000 |
| Risk-weighted assets | 68,152,000 | 67,592,000 | 65,726,000 | 67,324,000 |