Call reports 2007
JERSEY STATE BANK — 2007
What JERSEY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 127,232,000 | 125,532,000 | 122,730,000 | 120,461,000 |
| Total loans | 53,896,000 | 55,457,000 | 56,454,000 | 53,635,000 |
| Allowance for loan losses | 458,000 | 450,000 | 487,000 | 226,000 |
| Securities available for sale | 55,454,000 | 56,197,000 | 52,769,000 | 48,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,933,000 | 112,034,000 | 108,929,000 | 106,445,000 |
| Interest-bearing deposits | 101,719,000 | 98,417,000 | 96,924,000 | 93,893,000 |
| Noninterest-bearing deposits | 12,214,000 | 13,617,000 | 12,005,000 | 12,552,000 |
| Equity capital | 11,191,000 | 11,105,000 | 11,438,000 | 11,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,329,000 | 5,023,000 | 6,662,000 |
| Interest expense | 805,000 | 1,630,000 | 2,445,000 | 3,225,000 |
| Net interest income | 825,000 | 1,699,000 | 2,578,000 | 3,437,000 |
| Noninterest income | 236,000 | 450,000 | 644,000 | 858,000 |
| Noninterest expense | 714,000 | 1,440,000 | 2,168,000 | 3,036,000 |
| Provision for loan losses | 46,000 | 97,000 | 137,000 | 195,000 |
| Pretax income | 301,000 | 612,000 | 915,000 | 1,061,000 |
| Income tax | 51,000 | 107,000 | 191,000 | 225,000 |
| Net income | 250,000 | 505,000 | 724,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,309,000 | 11,385,000 | 11,605,000 | 11,538,000 |
| Total capital | 11,767,000 | 11,835,000 | 12,092,000 | 11,764,000 |
| Risk-weighted assets | 68,141,000 | 68,871,000 | 68,965,000 | 67,060,000 |