Call reports 2019
JERSEY STATE BANK — 2019
What JERSEY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 145,780,000 | 148,166,000 | 154,917,000 | 146,528,000 |
| Total loans | 56,573,000 | 58,027,000 | 58,421,000 | 63,066,000 |
| Allowance for loan losses | 727,000 | 732,000 | 730,000 | 735,000 |
| Securities available for sale | 72,384,000 | 73,820,000 | 72,630,000 | 68,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,554,000 | 124,154,000 | 130,445,000 | 121,574,000 |
| Interest-bearing deposits | 100,953,000 | 103,252,000 | 108,387,000 | 96,771,000 |
| Noninterest-bearing deposits | 21,601,000 | 20,902,000 | 22,058,000 | 24,803,000 |
| Equity capital | 20,825,000 | 21,363,000 | 21,978,000 | 22,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,510,000 | 3,816,000 | 5,101,000 |
| Interest expense | 192,000 | 409,000 | 633,000 | 845,000 |
| Net interest income | 1,032,000 | 2,101,000 | 3,183,000 | 4,256,000 |
| Noninterest income | 190,000 | 389,000 | 617,000 | 849,000 |
| Noninterest expense | 857,000 | 1,763,000 | 2,662,000 | 3,475,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 362,000 | 721,000 | 1,129,000 | 1,664,000 |
| Income tax | 41,000 | 78,000 | 129,000 | 216,000 |
| Net income | 321,000 | 643,000 | 1,000,000 | 1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,468,000 | 20,491,000 | 20,848,000 | 20,996,000 |
| Total capital | 21,195,000 | 21,223,000 | 21,578,000 | 21,731,000 |
| Risk-weighted assets | 78,372,000 | 80,917,000 | 80,311,000 | 82,945,000 |