Call reports 2025
JERSEY STATE BANK — 2025
What JERSEY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 181,613,000 | 181,128,000 | 189,612,000 | 198,341,000 |
| Total loans | 89,417,000 | 89,272,000 | 90,849,000 | 93,366,000 |
| Allowance for loan losses | 1,207,000 | 1,229,000 | 1,312,000 | 1,404,000 |
| Securities available for sale | 76,130,000 | 75,202,000 | 76,205,000 | 77,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,088,000 | 159,134,000 | 166,712,000 | 176,127,000 |
| Interest-bearing deposits | 111,162,000 | 124,099,000 | 131,618,000 | 137,941,000 |
| Noninterest-bearing deposits | 48,926,000 | 35,035,000 | 35,094,000 | 38,186,000 |
| Equity capital | 18,403,000 | 18,435,000 | 20,100,000 | 20,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,908,000 | 5,876,000 | 8,011,000 |
| Interest expense | 680,000 | 1,380,000 | 2,071,000 | 2,848,000 |
| Net interest income | 1,165,000 | 2,528,000 | 3,805,000 | 5,163,000 |
| Noninterest income | 234,000 | 445,000 | 689,000 | 898,000 |
| Noninterest expense | 1,107,000 | 2,165,000 | 3,298,000 | 4,326,000 |
| Provision for loan losses | 0 | 18,000 | 98,000 | 113,000 |
| Pretax income | 291,000 | 769,000 | 1,074,000 | 1,554,000 |
| Income tax | 31,000 | 118,000 | 147,000 | 229,000 |
| Net income | 260,000 | 651,000 | 927,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,565,000 | 25,607,000 | 25,882,000 | 25,933,000 |