Call reports 2008
CAPITAL BANK OF NEW JERSEY — 2008
What CAPITAL BANK OF NEW JERSEY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 51,600,000 | 63,977,000 | 75,359,000 | 89,244,000 |
| Total loans | 33,109,000 | 44,284,000 | 61,295,000 | 71,335,000 |
| Allowance for loan losses | 465,000 | 555,000 | 665,000 | 882,000 |
| Securities available for sale | 2,576,000 | 8,140,000 | 7,870,000 | 11,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,802,000 | 45,225,000 | 56,270,000 | 66,476,000 |
| Interest-bearing deposits | 26,576,000 | 38,113,000 | 48,268,000 | 56,474,000 |
| Noninterest-bearing deposits | 6,226,000 | 7,112,000 | 8,002,000 | 10,002,000 |
| Equity capital | 18,592,000 | 18,236,000 | 18,147,000 | 18,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,441,000 | 2,428,000 | 3,641,000 |
| Interest expense | 229,000 | 520,000 | 866,000 | 1,294,000 |
| Net interest income | 445,000 | 921,000 | 1,562,000 | 2,347,000 |
| Noninterest income | 22,000 | 48,000 | 96,000 | 124,000 |
| Noninterest expense | 606,000 | 1,270,000 | 2,025,000 | 2,688,000 |
| Provision for loan losses | 95,000 | 185,000 | 295,000 | 512,000 |
| Pretax income | -234,000 | -486,000 | -662,000 | -729,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -234,000 | -486,000 | -662,000 | -729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,516,000 | 18,296,000 | 18,160,000 | 18,137,000 |
| Total capital | 18,981,000 | 18,851,000 | 18,825,000 | 19,019,000 |
| Risk-weighted assets | 41,697,000 | 52,876,000 | 69,293,000 | 78,967,000 |