Call reports 2004
JERSEY SHORE STATE BANK — 2004
What JERSEY SHORE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 509,790,000 | 528,551,000 | 544,278,000 | 530,736,000 |
| Total loans | 283,912,000 | 306,865,000 | 324,344,000 | 330,077,000 |
| Allowance for loan losses | 3,099,000 | 3,157,000 | 3,248,000 | 3,338,000 |
| Securities available for sale | 189,304,000 | 183,329,000 | 176,749,000 | 160,022,000 |
| Securities held to maturity | 699,000 | 658,000 | 658,000 | 558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,543,000 | 369,309,000 | 373,622,000 | 357,479,000 |
| Interest-bearing deposits | 278,516,000 | 302,480,000 | 303,041,000 | 282,786,000 |
| Noninterest-bearing deposits | 64,027,000 | 66,829,000 | 70,581,000 | 74,693,000 |
| Equity capital | 55,551,000 | 52,433,000 | 56,050,000 | 56,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,172,000 | 14,520,000 | 22,273,000 | 30,141,000 |
| Interest expense | 2,125,000 | 4,266,000 | 6,497,000 | 8,773,000 |
| Net interest income | 5,047,000 | 10,254,000 | 15,776,000 | 21,368,000 |
| Noninterest income | 1,491,000 | 2,955,000 | 4,495,000 | 5,756,000 |
| Noninterest expense | 3,418,000 | 6,801,000 | 10,239,000 | 13,927,000 |
| Provision for loan losses | 75,000 | 150,000 | 315,000 | 465,000 |
| Pretax income | 3,238,000 | 6,595,000 | 10,128,000 | 13,497,000 |
| Income tax | 887,000 | 1,834,000 | 2,849,000 | 3,733,000 |
| Net income | 2,351,000 | 4,761,000 | 7,279,000 | 9,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,960,000 | 48,173,000 | 50,589,000 | 51,213,000 |
| Total capital | 53,243,000 | 52,293,000 | 54,963,000 | 55,717,000 |
| Risk-weighted assets | 278,227,000 | 295,464,000 | 308,332,000 | 316,390,000 |