Call reports 2005
JERSEY SHORE STATE BANK — 2005
What JERSEY SHORE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 528,434,000 | 557,760,000 | 555,206,000 | 552,631,000 |
| Total loans | 326,549,000 | 332,943,000 | 335,379,000 | 342,659,000 |
| Allowance for loan losses | 3,398,000 | 3,492,000 | 3,492,000 | 3,679,000 |
| Securities available for sale | 155,441,000 | 180,753,000 | 168,877,000 | 164,007,000 |
| Securities held to maturity | 309,000 | 268,000 | 266,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,866,000 | 382,608,000 | 363,694,000 | 352,860,000 |
| Interest-bearing deposits | 281,593,000 | 310,187,000 | 291,137,000 | 281,150,000 |
| Noninterest-bearing deposits | 73,273,000 | 72,421,000 | 72,557,000 | 71,710,000 |
| Equity capital | 56,067,000 | 59,802,000 | 58,573,000 | 57,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,463,000 | 15,122,000 | 23,037,000 | 31,079,000 |
| Interest expense | 2,250,000 | 4,707,000 | 7,408,000 | 10,383,000 |
| Net interest income | 5,213,000 | 10,415,000 | 15,629,000 | 20,696,000 |
| Noninterest income | 1,505,000 | 3,108,000 | 4,829,000 | 6,370,000 |
| Noninterest expense | 3,568,000 | 7,292,000 | 11,078,000 | 14,763,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 3,311,000 | 6,469,000 | 9,558,000 | 12,439,000 |
| Income tax | 851,000 | 1,630,000 | 2,196,000 | 2,759,000 |
| Net income | 2,460,000 | 4,839,000 | 7,362,000 | 9,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,353,000 | 53,577,000 | 53,706,000 | 52,527,000 |
| Total capital | 55,316,000 | 57,647,000 | 57,716,000 | 56,604,000 |
| Risk-weighted assets | 316,622,000 | 326,474,000 | 336,845,000 | 333,944,000 |