Call reports 2013
JERSEY STATE BANK — 2013
What JERSEY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,660,000 | 142,108,000 | 147,340,000 | 140,934,000 |
| Total loans | 58,421,000 | 56,893,000 | 57,110,000 | 59,071,000 |
| Allowance for loan losses | 964,000 | 1,009,000 | 1,032,000 | 1,042,000 |
| Securities available for sale | 63,781,000 | 64,543,000 | 67,393,000 | 66,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,462,000 | 121,771,000 | 128,404,000 | 121,886,000 |
| Interest-bearing deposits | 104,037,000 | 103,702,000 | 112,348,000 | 103,506,000 |
| Noninterest-bearing deposits | 18,426,000 | 18,069,000 | 16,057,000 | 18,380,000 |
| Equity capital | 16,940,000 | 15,895,000 | 16,090,000 | 15,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,383,000 | 3,574,000 | 4,815,000 |
| Interest expense | 255,000 | 509,000 | 743,000 | 936,000 |
| Net interest income | 948,000 | 1,874,000 | 2,831,000 | 3,879,000 |
| Noninterest income | 647,000 | 1,003,000 | 1,285,000 | 1,536,000 |
| Noninterest expense | 772,000 | 1,564,000 | 2,362,000 | 3,291,000 |
| Provision for loan losses | 47,000 | 92,000 | 137,000 | 183,000 |
| Pretax income | 784,000 | 1,230,000 | 1,626,000 | 1,950,000 |
| Income tax | 248,000 | 359,000 | 446,000 | 504,000 |
| Net income | 536,000 | 871,000 | 1,180,000 | 1,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,437,000 | 15,366,000 | 15,621,000 | 15,660,000 |
| Total capital | 16,344,000 | 16,273,000 | 16,516,000 | 16,543,000 |
| Risk-weighted assets | 72,505,000 | 72,480,000 | 71,440,000 | 72,979,000 |