Call reports 2002
JERSEY SHORE STATE BANK — 2002
What JERSEY SHORE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 418,471,000 | 436,233,000 | 454,928,000 | 463,782,000 |
| Total loans | 250,956,000 | 255,114,000 | 257,019,000 | 261,773,000 |
| Allowance for loan losses | 2,958,000 | 3,000,000 | 3,028,000 | 2,953,000 |
| Securities available for sale | 128,567,000 | 143,403,000 | 157,477,000 | 167,103,000 |
| Securities held to maturity | 1,281,000 | 1,252,000 | 1,218,000 | 1,181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,262,000 | 315,728,000 | 334,226,000 | 340,472,000 |
| Interest-bearing deposits | 254,928,000 | 265,061,000 | 275,555,000 | 272,787,000 |
| Noninterest-bearing deposits | 51,334,000 | 50,667,000 | 58,671,000 | 67,685,000 |
| Equity capital | 44,134,000 | 46,766,000 | 49,873,000 | 51,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,022,000 | 14,178,000 | 21,438,000 | 28,778,000 |
| Interest expense | 2,719,000 | 5,466,000 | 8,191,000 | 10,869,000 |
| Net interest income | 4,303,000 | 8,712,000 | 13,247,000 | 17,909,000 |
| Noninterest income | 1,059,000 | 2,043,000 | 2,990,000 | 5,213,000 |
| Noninterest expense | 2,562,000 | 5,244,000 | 7,992,000 | 12,002,000 |
| Provision for loan losses | 105,000 | 185,000 | 275,000 | 365,000 |
| Pretax income | 2,839,000 | 6,260,000 | 9,574,000 | 12,780,000 |
| Income tax | 589,000 | 1,418,000 | 2,209,000 | 2,903,000 |
| Net income | 2,250,000 | 4,842,000 | 7,365,000 | 9,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,966,000 | 41,181,000 | 42,877,000 | 43,723,000 |
| Total capital | 42,569,000 | 44,575,000 | 46,115,000 | 47,232,000 |
| Risk-weighted assets | 250,453,000 | 256,074,000 | 254,275,000 | 257,701,000 |