Call reports 2010
JERSEY SHORE STATE BANK — 2010
What JERSEY SHORE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 687,249,000 | 701,335,000 | 704,228,000 | 682,208,000 |
| Total loans | 414,451,000 | 417,699,000 | 418,374,000 | 422,342,000 |
| Allowance for loan losses | 4,864,000 | 5,047,000 | 5,479,000 | 6,035,000 |
| Securities available for sale | 202,715,000 | 211,577,000 | 217,358,000 | 200,702,000 |
| Securities held to maturity | 107,000 | 82,000 | 82,000 | 83,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,115,000 | 532,892,000 | 536,964,000 | 520,492,000 |
| Interest-bearing deposits | 440,127,000 | 442,002,000 | 442,042,000 | 428,162,000 |
| Noninterest-bearing deposits | 83,988,000 | 90,890,000 | 94,922,000 | 92,330,000 |
| Equity capital | 55,705,000 | 58,501,000 | 63,081,000 | 53,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,922,000 | 17,980,000 | 27,092,000 | 36,093,000 |
| Interest expense | 2,694,000 | 5,230,000 | 7,656,000 | 9,879,000 |
| Net interest income | 6,228,000 | 12,750,000 | 19,436,000 | 26,214,000 |
| Noninterest income | 1,697,000 | 3,647,000 | 5,404,000 | 7,276,000 |
| Noninterest expense | 4,872,000 | 9,712,000 | 14,305,000 | 18,971,000 |
| Provision for loan losses | 300,000 | 700,000 | 1,400,000 | 2,150,000 |
| Pretax income | 2,753,000 | 5,985,000 | 9,246,000 | 12,522,000 |
| Income tax | 286,000 | 742,000 | 1,141,000 | 1,497,000 |
| Net income | 2,467,000 | 5,243,000 | 8,105,000 | 11,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,796,000 | 54,322,000 | 55,456,000 | 56,199,000 |
| Total capital | 58,696,000 | 59,402,000 | 60,976,000 | 61,860,000 |
| Risk-weighted assets | 444,433,000 | 453,313,000 | 451,015,000 | 449,055,000 |