Call reports 2018
JERSEY STATE BANK — 2018
What JERSEY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 149,936,000 | 148,199,000 | 157,297,000 | 145,607,000 |
| Total loans | 59,261,000 | 58,030,000 | 60,025,000 | 58,535,000 |
| Allowance for loan losses | 538,000 | 792,000 | 720,000 | 724,000 |
| Securities available for sale | 72,328,000 | 75,545,000 | 74,165,000 | 73,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,479,000 | 126,209,000 | 133,306,000 | 123,184,000 |
| Interest-bearing deposits | 106,568,000 | 104,590,000 | 113,942,000 | 101,590,000 |
| Noninterest-bearing deposits | 21,911,000 | 21,619,000 | 19,363,000 | 21,594,000 |
| Equity capital | 19,277,000 | 19,234,000 | 19,330,000 | 19,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,484,000 | 3,760,000 | 5,027,000 |
| Interest expense | 138,000 | 283,000 | 447,000 | 615,000 |
| Net interest income | 1,102,000 | 2,201,000 | 3,313,000 | 4,412,000 |
| Noninterest income | 231,000 | 472,000 | 731,000 | 921,000 |
| Noninterest expense | 920,000 | 1,846,000 | 2,755,000 | 3,699,000 |
| Provision for loan losses | 15,000 | 18,000 | 21,000 | 24,000 |
| Pretax income | 398,000 | 809,000 | 1,268,000 | 1,610,000 |
| Income tax | 32,000 | 64,000 | 98,000 | 117,000 |
| Net income | 366,000 | 745,000 | 1,170,000 | 1,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,622,000 | 19,700,000 | 20,125,000 | 20,148,000 |
| Total capital | 20,160,000 | 20,492,000 | 20,845,000 | 20,872,000 |
| Risk-weighted assets | 79,743,000 | 79,682,000 | 82,113,000 | 80,594,000 |