Call reports 2014
JERSEY SHORE STATE BANK — 2014
What JERSEY SHORE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 878,988,000 | 883,903,000 | 888,228,000 | 893,603,000 |
| Total loans | 577,855,000 | 603,703,000 | 632,771,000 | 646,104,000 |
| Allowance for loan losses | 8,004,000 | 8,142,000 | 8,381,000 | 8,645,000 |
| Securities available for sale | 236,558,000 | 215,906,000 | 189,057,000 | 185,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,079,000 | 698,475,000 | 709,979,000 | 700,647,000 |
| Interest-bearing deposits | 570,309,000 | 565,014,000 | 575,240,000 | 563,321,000 |
| Noninterest-bearing deposits | 128,770,000 | 133,461,000 | 134,739,000 | 137,326,000 |
| Equity capital | 77,771,000 | 81,205,000 | 82,990,000 | 81,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,470,000 | 16,848,000 | 25,224,000 | 33,597,000 |
| Interest expense | 1,136,000 | 2,248,000 | 3,370,000 | 4,497,000 |
| Net interest income | 7,334,000 | 14,600,000 | 21,854,000 | 29,100,000 |
| Noninterest income | 2,268,000 | 4,278,000 | 6,573,000 | 8,649,000 |
| Noninterest expense | 6,208,000 | 12,102,000 | 17,842,000 | 24,033,000 |
| Provision for loan losses | 200,000 | 350,000 | 600,000 | 900,000 |
| Pretax income | 3,455,000 | 7,160,000 | 12,198,000 | 15,274,000 |
| Income tax | 538,000 | 1,246,000 | 2,432,000 | 2,981,000 |
| Net income | 2,917,000 | 5,914,000 | 9,766,000 | 12,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,981,000 | 72,497,000 | 74,763,000 | 74,730,000 |
| Total capital | 78,760,000 | 80,639,000 | 83,144,000 | 83,183,000 |
| Risk-weighted assets | 622,124,000 | 664,790,000 | 688,687,000 | 676,081,000 |