Call reports 2014
JERSEY STATE BANK — 2014
What JERSEY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,839,000 | 145,677,000 | 150,768,000 | 142,318,000 |
| Total loans | 60,597,000 | 61,546,000 | 60,928,000 | 64,248,000 |
| Allowance for loan losses | 1,073,000 | 999,000 | 1,012,000 | 1,029,000 |
| Securities available for sale | 68,210,000 | 67,817,000 | 70,275,000 | 69,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,123,000 | 124,639,000 | 129,201,000 | 120,651,000 |
| Interest-bearing deposits | 101,936,000 | 105,706,000 | 112,289,000 | 102,458,000 |
| Noninterest-bearing deposits | 18,187,000 | 18,933,000 | 16,912,000 | 18,193,000 |
| Equity capital | 16,591,000 | 17,160,000 | 17,824,000 | 18,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,213,000 | 2,437,000 | 3,664,000 | 4,895,000 |
| Interest expense | 171,000 | 332,000 | 484,000 | 620,000 |
| Net interest income | 1,042,000 | 2,105,000 | 3,180,000 | 4,275,000 |
| Noninterest income | 375,000 | 654,000 | 1,232,000 | 1,600,000 |
| Noninterest expense | 763,000 | 1,562,000 | 2,331,000 | 3,176,000 |
| Provision for loan losses | 30,000 | 63,000 | 95,000 | 121,000 |
| Pretax income | 626,000 | 1,161,000 | 2,013,000 | 2,605,000 |
| Income tax | 181,000 | 320,000 | 586,000 | 747,000 |
| Net income | 445,000 | 841,000 | 1,427,000 | 1,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,107,000 | 16,277,000 | 16,867,000 | 17,059,000 |
| Total capital | 17,049,000 | 17,221,000 | 17,808,000 | 18,036,000 |
| Risk-weighted assets | 75,255,000 | 75,501,000 | 75,231,000 | 78,105,000 |