Call reports 2011
JERSEY SHORE STATE BANK — 2011
What JERSEY SHORE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 683,812,000 | 734,939,000 | 742,290,000 | 753,288,000 |
| Total loans | 417,025,000 | 425,653,000 | 433,052,000 | 439,817,000 |
| Allowance for loan losses | 6,640,000 | 5,764,000 | 6,355,000 | 7,154,000 |
| Securities available for sale | 205,886,000 | 230,954,000 | 251,978,000 | 255,438,000 |
| Securities held to maturity | 53,000 | 54,000 | 54,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,005,000 | 572,556,000 | 576,731,000 | 583,569,000 |
| Interest-bearing deposits | 433,439,000 | 469,729,000 | 470,517,000 | 470,310,000 |
| Noninterest-bearing deposits | 98,566,000 | 102,827,000 | 106,214,000 | 113,259,000 |
| Equity capital | 55,987,000 | 61,147,000 | 66,621,000 | 67,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,913,000 | 17,728,000 | 26,825,000 | 36,071,000 |
| Interest expense | 1,987,000 | 3,955,000 | 5,919,000 | 7,662,000 |
| Net interest income | 6,926,000 | 13,773,000 | 20,906,000 | 28,409,000 |
| Noninterest income | 1,812,000 | 3,675,000 | 5,654,000 | 7,583,000 |
| Noninterest expense | 4,857,000 | 9,565,000 | 14,414,000 | 19,453,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,700,000 |
| Pretax income | 3,282,000 | 6,684,000 | 10,356,000 | 13,964,000 |
| Income tax | 488,000 | 894,000 | 1,404,000 | 1,862,000 |
| Net income | 2,794,000 | 5,790,000 | 8,952,000 | 12,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,713,000 | 57,952,000 | 59,220,000 | 60,454,000 |
| Total capital | 62,401,000 | 63,766,000 | 65,431,000 | 66,734,000 |
| Risk-weighted assets | 449,865,000 | 472,865,000 | 494,792,000 | 500,929,000 |