Call reports 2019
JERSEY SHORE STATE BANK — 2019
What JERSEY SHORE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,272,540,000 | 1,280,011,000 | 1,243,195,000 | 1,231,268,000 |
| Total loans | 1,035,570,000 | 1,032,587,000 | 1,018,643,000 | 1,011,558,000 |
| Allowance for loan losses | 10,029,000 | 10,162,000 | 10,313,000 | 7,896,000 |
| Securities available for sale | 113,297,000 | 117,130,000 | 120,498,000 | 118,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 939,431,000 | 950,861,000 | 944,280,000 | 942,192,000 |
| Interest-bearing deposits | 737,909,000 | 746,155,000 | 743,222,000 | 737,516,000 |
| Noninterest-bearing deposits | 201,522,000 | 204,706,000 | 201,058,000 | 204,676,000 |
| Equity capital | 93,296,000 | 96,603,000 | 99,320,000 | 99,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,176,000 | 24,659,000 | 37,219,000 | 49,248,000 |
| Interest expense | 3,176,000 | 6,438,000 | 9,835,000 | 13,149,000 |
| Net interest income | 9,000,000 | 18,221,000 | 27,384,000 | 36,099,000 |
| Noninterest income | 1,735,000 | 3,716,000 | 5,847,000 | 7,751,000 |
| Noninterest expense | 6,698,000 | 13,361,000 | 19,699,000 | 26,305,000 |
| Provision for loan losses | 250,000 | 475,000 | 725,000 | 2,300,000 |
| Pretax income | 3,795,000 | 8,119,000 | 12,879,000 | 15,754,000 |
| Income tax | 624,000 | 1,365,000 | 2,222,000 | 2,563,000 |
| Net income | 3,171,000 | 6,754,000 | 10,657,000 | 13,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,279,000 | 96,911,000 | 98,790,000 | 99,317,000 |
| Total capital | 103,701,000 | 105,673,000 | 107,921,000 | 106,093,000 |
| Risk-weighted assets | 955,723,000 | 963,734,000 | 953,851,000 | 956,754,000 |