Call reports 2017
JERSEY STATE BANK — 2017
What JERSEY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 146,089,000 | 144,867,000 | 157,613,000 | 149,598,000 |
| Total loans | 59,159,000 | 59,859,000 | 61,129,000 | 60,656,000 |
| Allowance for loan losses | 702,000 | 720,000 | 521,000 | 551,000 |
| Securities available for sale | 70,423,000 | 75,092,000 | 73,784,000 | 72,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,248,000 | 122,013,000 | 134,946,000 | 127,494,000 |
| Interest-bearing deposits | 103,052,000 | 100,922,000 | 114,531,000 | 107,309,000 |
| Noninterest-bearing deposits | 21,196,000 | 21,091,000 | 20,415,000 | 20,185,000 |
| Equity capital | 19,516,000 | 19,899,000 | 20,146,000 | 19,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,145,000 | 2,314,000 | 3,515,000 | 4,724,000 |
| Interest expense | 135,000 | 272,000 | 416,000 | 560,000 |
| Net interest income | 1,010,000 | 2,042,000 | 3,099,000 | 4,164,000 |
| Noninterest income | 282,000 | 521,000 | 773,000 | 979,000 |
| Noninterest expense | 908,000 | 1,828,000 | 2,761,000 | 3,721,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 62,000 |
| Pretax income | 384,000 | 725,000 | 1,090,000 | 1,371,000 |
| Income tax | 62,000 | 101,000 | 141,000 | 288,000 |
| Net income | 322,000 | 624,000 | 949,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,046,000 | 19,084,000 | 19,409,000 | 19,255,000 |
| Total capital | 19,748,000 | 19,804,000 | 19,930,000 | 19,806,000 |
| Risk-weighted assets | 77,153,000 | 78,019,000 | 80,121,000 | 80,386,000 |