Call reports 2006
JERSEY SHORE STATE BANK — 2006
What JERSEY SHORE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 561,047,000 | 560,054,000 | 570,989,000 | 576,896,000 |
| Total loans | 349,559,000 | 352,915,000 | 361,817,000 | 364,562,000 |
| Allowance for loan losses | 3,834,000 | 3,995,000 | 4,045,000 | 4,185,000 |
| Securities available for sale | 163,091,000 | 157,401,000 | 162,867,000 | 163,394,000 |
| Securities held to maturity | 280,000 | 281,000 | 282,000 | 283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,959,000 | 377,087,000 | 402,450,000 | 396,204,000 |
| Interest-bearing deposits | 293,317,000 | 302,634,000 | 332,310,000 | 322,034,000 |
| Noninterest-bearing deposits | 74,642,000 | 74,453,000 | 70,140,000 | 74,170,000 |
| Equity capital | 56,526,000 | 54,412,000 | 58,257,000 | 57,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,817,000 | 15,940,000 | 24,282,000 | 32,906,000 |
| Interest expense | 3,190,000 | 6,611,000 | 10,320,000 | 14,212,000 |
| Net interest income | 4,627,000 | 9,329,000 | 13,962,000 | 18,694,000 |
| Noninterest income | 1,777,000 | 3,720,000 | 5,548,000 | 7,335,000 |
| Noninterest expense | 3,844,000 | 7,790,000 | 11,794,000 | 15,837,000 |
| Provision for loan losses | 198,000 | 396,000 | 485,000 | 635,000 |
| Pretax income | 2,685,000 | 5,349,000 | 8,006,000 | 10,471,000 |
| Income tax | 468,000 | 927,000 | 1,371,000 | 1,725,000 |
| Net income | 2,217,000 | 4,422,000 | 6,635,000 | 8,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,853,000 | 50,548,000 | 53,276,000 | 52,860,000 |
| Total capital | 56,216,000 | 54,847,000 | 57,544,000 | 57,260,000 |
| Risk-weighted assets | 339,208,000 | 341,160,000 | 347,915,000 | 353,035,000 |