Call reports 2009
JERSEY SHORE STATE BANK — 2009
What JERSEY SHORE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 641,669,000 | 659,109,000 | 669,684,000 | 667,933,000 |
| Total loans | 389,925,000 | 396,876,000 | 406,422,000 | 409,774,000 |
| Allowance for loan losses | 4,441,000 | 4,377,000 | 4,478,000 | 4,657,000 |
| Securities available for sale | 189,572,000 | 194,588,000 | 205,684,000 | 195,567,000 |
| Securities held to maturity | 110,000 | 110,000 | 110,000 | 107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,032,000 | 497,290,000 | 492,672,000 | 500,100,000 |
| Interest-bearing deposits | 376,844,000 | 420,493,000 | 414,493,000 | 417,388,000 |
| Noninterest-bearing deposits | 74,188,000 | 76,797,000 | 78,179,000 | 82,712,000 |
| Equity capital | 48,229,000 | 50,209,000 | 58,839,000 | 55,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,804,000 | 17,747,000 | 26,794,000 | 35,897,000 |
| Interest expense | 3,083,000 | 6,295,000 | 9,464,000 | 12,410,000 |
| Net interest income | 5,721,000 | 11,452,000 | 17,330,000 | 23,487,000 |
| Noninterest income | 1,592,000 | 3,282,000 | 5,167,000 | 7,124,000 |
| Noninterest expense | 4,535,000 | 9,299,000 | 14,278,000 | 19,331,000 |
| Provision for loan losses | 126,000 | 312,000 | 582,000 | 917,000 |
| Pretax income | 2,652,000 | 4,906,000 | 7,008,000 | 9,906,000 |
| Income tax | 276,000 | 439,000 | 531,000 | 843,000 |
| Net income | 2,376,000 | 4,467,000 | 6,477,000 | 9,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,513,000 | 52,644,000 | 52,637,000 | 53,359,000 |
| Total capital | 56,954,000 | 57,021,000 | 57,124,000 | 58,024,000 |
| Risk-weighted assets | 414,235,000 | 428,307,000 | 437,711,000 | 432,896,000 |