Call reports 2012
JERSEY SHORE STATE BANK — 2012
What JERSEY SHORE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 781,562,000 | 805,391,000 | 832,802,000 | 848,446,000 |
| Total loans | 445,698,000 | 468,879,000 | 487,361,000 | 516,017,000 |
| Allowance for loan losses | 7,745,000 | 7,438,000 | 7,521,000 | 7,617,000 |
| Securities available for sale | 270,392,000 | 278,258,000 | 284,697,000 | 277,445,000 |
| Securities held to maturity | 55,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,281,000 | 641,561,000 | 647,189,000 | 647,814,000 |
| Interest-bearing deposits | 505,271,000 | 523,405,000 | 525,825,000 | 527,073,000 |
| Noninterest-bearing deposits | 118,010,000 | 118,156,000 | 121,364,000 | 120,741,000 |
| Equity capital | 71,878,000 | 74,790,000 | 79,906,000 | 79,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,182,000 | 18,368,000 | 27,532,000 | 36,721,000 |
| Interest expense | 1,615,000 | 3,199,000 | 4,777,000 | 6,214,000 |
| Net interest income | 7,567,000 | 15,169,000 | 22,755,000 | 30,507,000 |
| Noninterest income | 2,171,000 | 4,280,000 | 6,600,000 | 8,802,000 |
| Noninterest expense | 5,321,000 | 10,458,000 | 15,713,000 | 21,148,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,525,000 |
| Pretax income | 4,033,000 | 8,071,000 | 12,119,000 | 16,051,000 |
| Income tax | 585,000 | 1,242,000 | 1,878,000 | 2,506,000 |
| Net income | 3,448,000 | 6,829,000 | 10,241,000 | 13,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,676,000 | 62,972,000 | 64,392,000 | 65,323,000 |
| Total capital | 68,212,000 | 69,666,000 | 71,201,000 | 72,379,000 |
| Risk-weighted assets | 521,674,000 | 534,830,000 | 543,659,000 | 563,918,000 |