Call reports 2025
JERSEY SHORE STATE BANK — 2025
What JERSEY SHORE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Total assets | 1,607,394,000 | 1,615,808,000 |
| Total loans | 1,352,880,000 | 1,356,906,000 |
| Allowance for loan losses | 7,648,000 | 8,197,000 |
| Securities available for sale | 134,960,000 | 127,647,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,158,530,000 | 1,130,830,000 |
| Interest-bearing deposits | 863,426,000 | 839,001,000 |
| Noninterest-bearing deposits | 295,104,000 | 291,829,000 |
| Equity capital | 139,507,000 | 141,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Interest income | 20,280,000 | 40,558,000 |
| Interest expense | 9,652,000 | 19,381,000 |
| Net interest income | 10,628,000 | 21,177,000 |
| Noninterest income | 1,626,000 | 3,378,000 |
| Noninterest expense | 8,158,000 | 15,886,000 |
| Provision for loan losses | -3,081,000 | -2,245,000 |
| Pretax income | 7,629,000 | 10,964,000 |
| Income tax | 1,487,000 | 2,120,000 |
| Net income | 6,142,000 | 8,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 |
|---|---|---|
| Tier 1 capital | 140,820,000 | 142,548,000 |
| Total capital | 148,617,000 | 151,619,000 |
| Risk-weighted assets | 1,363,537,000 | 1,373,901,000 |