Call reports 2022
JERSEY STATE BANK — 2022
What JERSEY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 183,589,000 | 184,415,000 | 185,072,000 | 173,299,000 |
| Total loans | 57,965,000 | 64,090,000 | 65,546,000 | 67,203,000 |
| Allowance for loan losses | 766,000 | 766,000 | 766,000 | 766,000 |
| Securities available for sale | 101,248,000 | 99,644,000 | 94,114,000 | 89,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,258,000 | 165,559,000 | 168,936,000 | 155,052,000 |
| Interest-bearing deposits | 124,183,000 | 127,834,000 | 132,186,000 | 119,847,000 |
| Noninterest-bearing deposits | 37,074,000 | 37,725,000 | 36,750,000 | 35,205,000 |
| Equity capital | 20,076,000 | 16,265,000 | 13,685,000 | 15,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,373,000 | 3,743,000 | 5,151,000 |
| Interest expense | 75,000 | 142,000 | 209,000 | 289,000 |
| Net interest income | 1,022,000 | 2,231,000 | 3,534,000 | 4,862,000 |
| Noninterest income | 254,000 | 446,000 | 665,000 | 838,000 |
| Noninterest expense | 952,000 | 1,898,000 | 2,831,000 | 3,794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 323,000 | 775,000 | 1,364,000 | 1,836,000 |
| Income tax | 27,000 | 80,000 | 173,000 | 236,000 |
| Net income | 296,000 | 695,000 | 1,191,000 | 1,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,271,000 | 23,348,000 | 23,844,000 | 23,928,000 |