Call reports 2022
JERSEY SHORE STATE BANK — 2022
What JERSEY SHORE STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,356,528,000 | 1,364,427,000 | 1,390,812,000 | 1,451,067,000 |
| Total loans | 1,024,146,000 | 1,080,228,000 | 1,137,642,000 | 1,189,038,000 |
| Allowance for loan losses | 10,349,000 | 10,624,000 | 11,207,000 | 11,453,000 |
| Securities available for sale | 141,366,000 | 153,032,000 | 149,925,000 | 154,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,132,667,000 | 1,108,262,000 | 1,121,380,000 | 1,108,794,000 |
| Interest-bearing deposits | 815,321,000 | 786,655,000 | 795,166,000 | 784,747,000 |
| Noninterest-bearing deposits | 317,346,000 | 321,607,000 | 326,214,000 | 324,047,000 |
| Equity capital | 108,713,000 | 107,314,000 | 106,528,000 | 109,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 10,299,000 | 21,132,000 | 33,220,000 | 46,715,000 |
| Interest expense | 1,196,000 | 2,366,000 | 3,621,000 | 6,403,000 |
| Net interest income | 9,103,000 | 18,766,000 | 29,599,000 | 40,312,000 |
| Noninterest income | 1,681,000 | 3,282,000 | 4,958,000 | 6,499,000 |
| Noninterest expense | 7,165,000 | 13,885,000 | 20,642,000 | 28,149,000 |
| Provision for loan losses | 150,000 | 375,000 | 925,000 | 1,225,000 |
| Pretax income | 3,432,000 | 7,716,000 | 12,796,000 | 17,203,000 |
| Income tax | 554,000 | 1,377,000 | 2,308,000 | 3,335,000 |
| Net income | 2,878,000 | 6,339,000 | 10,488,000 | 13,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,825,000 | 113,053,000 | 116,369,000 | 119,783,000 |
| Total capital | 122,280,000 | 123,795,000 | 127,706,000 | 131,379,000 |
| Risk-weighted assets | 1,085,405,000 | 1,127,777,000 | 1,177,043,000 | 1,224,628,000 |