Call reports 2012
JERSEY STATE BANK — 2012
What JERSEY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 140,657,000 | 141,171,000 | 140,540,000 | 141,618,000 |
| Total loans | 56,777,000 | 57,114,000 | 57,180,000 | 60,238,000 |
| Allowance for loan losses | 955,000 | 1,007,000 | 968,000 | 913,000 |
| Securities available for sale | 62,810,000 | 62,890,000 | 63,502,000 | 64,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,578,000 | 121,966,000 | 121,231,000 | 120,698,000 |
| Interest-bearing deposits | 106,248,000 | 105,480,000 | 105,001,000 | 103,154,000 |
| Noninterest-bearing deposits | 16,330,000 | 16,486,000 | 16,230,000 | 17,544,000 |
| Equity capital | 13,395,000 | 13,863,000 | 15,444,000 | 16,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,342,000 | 2,639,000 | 3,892,000 | 5,143,000 |
| Interest expense | 320,000 | 623,000 | 915,000 | 1,181,000 |
| Net interest income | 1,022,000 | 2,016,000 | 2,977,000 | 3,962,000 |
| Noninterest income | 358,000 | 998,000 | 1,335,000 | 4,231,000 |
| Noninterest expense | 803,000 | 1,619,000 | 2,423,000 | 3,756,000 |
| Provision for loan losses | 47,000 | 92,000 | 137,000 | 182,000 |
| Pretax income | 530,000 | 1,303,000 | 1,752,000 | 4,255,000 |
| Income tax | 143,000 | 385,000 | 494,000 | 1,429,000 |
| Net income | 387,000 | 918,000 | 1,258,000 | 2,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,358,000 | 11,699,000 | 13,275,000 | 14,902,000 |
| Total capital | 12,256,000 | 12,595,000 | 14,175,000 | 15,815,000 |
| Risk-weighted assets | 71,769,000 | 71,590,000 | 71,947,000 | 74,310,000 |