Call reports 2009
JERSEY STATE BANK — 2009
What JERSEY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 125,442,000 | 119,966,000 | 123,448,000 | 128,783,000 |
| Total loans | 53,754,000 | 52,415,000 | 53,981,000 | 54,334,000 |
| Allowance for loan losses | 427,000 | 452,000 | 520,000 | 675,000 |
| Securities available for sale | 53,564,000 | 53,766,000 | 54,155,000 | 52,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,453,000 | 104,174,000 | 106,882,000 | 112,863,000 |
| Interest-bearing deposits | 95,469,000 | 90,389,000 | 93,792,000 | 98,903,000 |
| Noninterest-bearing deposits | 13,984,000 | 13,785,000 | 13,090,000 | 13,960,000 |
| Equity capital | 12,739,000 | 12,755,000 | 13,712,000 | 13,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,017,000 | 4,439,000 | 5,876,000 |
| Interest expense | 568,000 | 1,073,000 | 1,531,000 | 1,990,000 |
| Net interest income | 967,000 | 1,944,000 | 2,908,000 | 3,886,000 |
| Noninterest income | 392,000 | 729,000 | 995,000 | 1,267,000 |
| Noninterest expense | 836,000 | 1,701,000 | 2,557,000 | 3,526,000 |
| Provision for loan losses | 15,000 | 45,000 | 110,000 | 275,000 |
| Pretax income | 515,000 | 934,000 | 1,261,000 | 1,340,000 |
| Income tax | 126,000 | 230,000 | 284,000 | 344,000 |
| Net income | 389,000 | 704,000 | 977,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,499,000 | 12,600,000 | 12,874,000 | 12,678,000 |
| Total capital | 12,926,000 | 13,052,000 | 13,394,000 | 13,353,000 |
| Risk-weighted assets | 67,947,000 | 65,951,000 | 68,972,000 | 70,909,000 |