Call reports 2006
JERSEY STATE BANK — 2006
What JERSEY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,259,000 | 120,873,000 | 120,252,000 | 120,641,000 |
| Total loans | 54,751,000 | 55,547,000 | 55,538,000 | 54,541,000 |
| Allowance for loan losses | 279,000 | 297,000 | 426,000 | 355,000 |
| Securities available for sale | 48,209,000 | 49,608,000 | 49,330,000 | 51,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,763,000 | 108,450,000 | 106,884,000 | 107,171,000 |
| Interest-bearing deposits | 88,383,000 | 94,944,000 | 95,106,000 | 95,221,000 |
| Noninterest-bearing deposits | 11,380,000 | 13,506,000 | 11,778,000 | 11,950,000 |
| Equity capital | 10,415,000 | 10,145,000 | 10,889,000 | 10,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,859,000 | 4,365,000 | 5,951,000 |
| Interest expense | 532,000 | 1,161,000 | 1,829,000 | 2,580,000 |
| Net interest income | 880,000 | 1,698,000 | 2,536,000 | 3,371,000 |
| Noninterest income | 236,000 | 481,000 | 689,000 | 909,000 |
| Noninterest expense | 773,000 | 1,517,000 | 2,241,000 | 2,979,000 |
| Provision for loan losses | 32,000 | 54,000 | 186,000 | 365,000 |
| Pretax income | 288,000 | 585,000 | 776,000 | 914,000 |
| Income tax | 73,000 | 148,000 | 175,000 | 199,000 |
| Net income | 215,000 | 437,000 | 601,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,911,000 | 10,954,000 | 11,120,000 | 11,057,000 |
| Total capital | 11,190,000 | 11,251,000 | 11,546,000 | 11,412,000 |
| Risk-weighted assets | 65,751,000 | 68,501,000 | 67,379,000 | 66,594,000 |