Call reports 2016
JERSEY STATE BANK — 2016
What JERSEY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 140,673,000 | 143,093,000 | 145,470,000 | 143,747,000 |
| Total loans | 61,620,000 | 61,903,000 | 59,687,000 | 59,045,000 |
| Allowance for loan losses | 733,000 | 743,000 | 752,000 | 739,000 |
| Securities available for sale | 64,569,000 | 67,449,000 | 66,941,000 | 70,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,349,000 | 118,526,000 | 121,048,000 | 121,194,000 |
| Interest-bearing deposits | 97,631,000 | 98,262,000 | 102,868,000 | 101,501,000 |
| Noninterest-bearing deposits | 19,718,000 | 20,264,000 | 18,180,000 | 19,693,000 |
| Equity capital | 19,514,000 | 19,963,000 | 20,138,000 | 18,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,173,000 | 2,333,000 | 3,457,000 | 4,602,000 |
| Interest expense | 119,000 | 247,000 | 385,000 | 521,000 |
| Net interest income | 1,054,000 | 2,086,000 | 3,072,000 | 4,081,000 |
| Noninterest income | 260,000 | 479,000 | 792,000 | 988,000 |
| Noninterest expense | 849,000 | 1,702,000 | 2,589,000 | 3,492,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 520,000 | 911,000 | 1,316,000 | 1,610,000 |
| Income tax | 132,000 | 210,000 | 292,000 | 326,000 |
| Net income | 388,000 | 701,000 | 1,024,000 | 1,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,356,000 | 18,405,000 | 18,729,000 | 18,724,000 |
| Total capital | 19,089,000 | 19,148,000 | 19,481,000 | 19,463,000 |
| Risk-weighted assets | 74,541,000 | 75,026,000 | 73,635,000 | 76,127,000 |