Call reports 2010
JERSEY STATE BANK — 2010
What JERSEY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 125,248,000 | 125,343,000 | 130,296,000 | 134,823,000 |
| Total loans | 51,662,000 | 55,524,000 | 58,098,000 | 54,228,000 |
| Allowance for loan losses | 723,000 | 757,000 | 695,000 | 822,000 |
| Securities available for sale | 53,604,000 | 57,281,000 | 53,655,000 | 62,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,013,000 | 107,897,000 | 112,325,000 | 120,020,000 |
| Interest-bearing deposits | 95,576,000 | 94,226,000 | 98,784,000 | 105,866,000 |
| Noninterest-bearing deposits | 13,437,000 | 13,671,000 | 13,541,000 | 14,154,000 |
| Equity capital | 13,188,000 | 13,708,000 | 14,340,000 | 10,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,334,000 | 2,693,000 | 4,069,000 | 5,409,000 |
| Interest expense | 443,000 | 885,000 | 1,316,000 | 1,742,000 |
| Net interest income | 891,000 | 1,808,000 | 2,753,000 | 3,667,000 |
| Noninterest income | 285,000 | 577,000 | 902,000 | 1,243,000 |
| Noninterest expense | 778,000 | 1,548,000 | 2,366,000 | 7,701,000 |
| Provision for loan losses | 45,000 | 90,000 | 180,000 | 310,000 |
| Pretax income | 409,000 | 803,000 | 1,249,000 | -2,961,000 |
| Income tax | 80,000 | 169,000 | 266,000 | -1,258,000 |
| Net income | 329,000 | 634,000 | 983,000 | -1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,746,000 | 12,834,000 | 13,182,000 | 10,272,000 |
| Total capital | 13,469,000 | 13,591,000 | 13,877,000 | 11,094,000 |
| Risk-weighted assets | 67,717,000 | 70,302,000 | 72,112,000 | 70,825,000 |