Call reports 2011
JERSEY STATE BANK — 2011
What JERSEY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 138,629,000 | 138,750,000 | 139,356,000 | 141,804,000 |
| Total loans | 52,630,000 | 54,796,000 | 56,245,000 | 58,104,000 |
| Allowance for loan losses | 723,000 | 751,000 | 771,000 | 908,000 |
| Securities available for sale | 67,664,000 | 66,834,000 | 63,934,000 | 65,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,957,000 | 121,856,000 | 121,834,000 | 123,596,000 |
| Interest-bearing deposits | 108,596,000 | 106,081,000 | 107,540,000 | 108,758,000 |
| Noninterest-bearing deposits | 15,361,000 | 15,775,000 | 14,294,000 | 14,838,000 |
| Equity capital | 11,032,000 | 11,844,000 | 12,575,000 | 12,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,326,000 | 2,694,000 | 4,075,000 | 5,427,000 |
| Interest expense | 414,000 | 790,000 | 1,154,000 | 1,498,000 |
| Net interest income | 912,000 | 1,904,000 | 2,921,000 | 3,929,000 |
| Noninterest income | 350,000 | 636,000 | 967,000 | 1,895,000 |
| Noninterest expense | 809,000 | 1,633,000 | 2,521,000 | 3,460,000 |
| Provision for loan losses | 21,000 | 71,000 | 132,000 | 277,000 |
| Pretax income | 432,000 | 836,000 | 1,235,000 | 2,094,000 |
| Income tax | 79,000 | 167,000 | 215,000 | 488,000 |
| Net income | 353,000 | 669,000 | 1,020,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,628,000 | 10,100,000 | 10,532,000 | 10,932,000 |
| Total capital | 11,351,000 | 10,851,000 | 11,303,000 | 11,840,000 |
| Risk-weighted assets | 70,296,000 | 71,674,000 | 72,858,000 | 73,722,000 |