Call reports 2015
JERSEY SHORE STATE BANK — 2015
What JERSEY SHORE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 917,941,000 | 939,330,000 | 953,517,000 | 965,803,000 |
| Total loans | 674,182,000 | 705,625,000 | 733,961,000 | 769,406,000 |
| Allowance for loan losses | 8,507,000 | 8,927,000 | 9,157,000 | 9,353,000 |
| Securities available for sale | 181,338,000 | 169,437,000 | 158,263,000 | 132,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,043,000 | 725,503,000 | 721,190,000 | 722,657,000 |
| Interest-bearing deposits | 575,236,000 | 581,931,000 | 577,081,000 | 569,132,000 |
| Noninterest-bearing deposits | 138,807,000 | 143,572,000 | 144,109,000 | 153,525,000 |
| Equity capital | 81,061,000 | 80,140,000 | 81,589,000 | 82,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,299,000 | 16,812,000 | 25,294,000 | 33,976,000 |
| Interest expense | 1,161,000 | 2,336,000 | 3,487,000 | 4,670,000 |
| Net interest income | 7,138,000 | 14,476,000 | 21,807,000 | 29,306,000 |
| Noninterest income | 1,771,000 | 3,815,000 | 5,966,000 | 7,752,000 |
| Noninterest expense | 5,948,000 | 11,872,000 | 17,795,000 | 23,509,000 |
| Provision for loan losses | 300,000 | 600,000 | 850,000 | 1,075,000 |
| Pretax income | 3,043,000 | 6,721,000 | 10,555,000 | 14,740,000 |
| Income tax | 508,000 | 1,187,000 | 2,033,000 | 2,969,000 |
| Net income | 2,535,000 | 5,534,000 | 8,522,000 | 11,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,552,000 | 79,595,000 | 80,946,000 | 82,682,000 |
| Total capital | 87,059,000 | 88,522,000 | 90,104,000 | 92,036,000 |
| Risk-weighted assets | 730,981,000 | 743,077,000 | 763,016,000 | 772,723,000 |