Call reports 2015
JERSEY STATE BANK — 2015
What JERSEY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 141,617,000 | 138,464,000 | 147,501,000 | 138,236,000 |
| Total loans | 60,974,000 | 63,055,000 | 65,107,000 | 64,596,000 |
| Allowance for loan losses | 1,046,000 | 1,063,000 | 1,096,000 | 724,000 |
| Securities available for sale | 67,879,000 | 65,776,000 | 67,248,000 | 65,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,243,000 | 116,237,000 | 124,629,000 | 114,724,000 |
| Interest-bearing deposits | 100,297,000 | 97,278,000 | 105,761,000 | 95,765,000 |
| Noninterest-bearing deposits | 18,946,000 | 18,959,000 | 18,868,000 | 18,959,000 |
| Equity capital | 18,791,000 | 18,439,000 | 19,037,000 | 18,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,383,000 | 3,600,000 | 4,800,000 |
| Interest expense | 125,000 | 246,000 | 373,000 | 493,000 |
| Net interest income | 1,069,000 | 2,137,000 | 3,227,000 | 4,307,000 |
| Noninterest income | 292,000 | 525,000 | 766,000 | 990,000 |
| Noninterest expense | 919,000 | 1,755,000 | 2,617,000 | 3,551,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 556,000 | 1,006,000 | 1,445,000 | 1,785,000 |
| Income tax | 145,000 | 247,000 | 344,000 | 399,000 |
| Net income | 411,000 | 759,000 | 1,101,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,485,000 | 17,593,000 | 17,935,000 | 17,969,000 |
| Total capital | 18,374,000 | 18,512,000 | 18,906,000 | 18,693,000 |
| Risk-weighted assets | 71,012,000 | 73,404,000 | 77,557,000 | 76,610,000 |