Call reports 2009
CAPITAL BANK OF NEW JERSEY — 2009
What CAPITAL BANK OF NEW JERSEY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 100,507,000 | 115,055,000 | 136,958,000 | 157,555,000 |
| Total loans | 76,236,000 | 85,903,000 | 90,473,000 | 103,859,000 |
| Allowance for loan losses | 950,000 | 1,025,000 | 1,100,000 | 1,250,000 |
| Securities available for sale | 12,882,000 | 14,243,000 | 27,283,000 | 42,167,000 |
| Securities held to maturity | 11,000 | 15,000 | 15,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,856,000 | 93,385,000 | 114,807,000 | 133,089,000 |
| Interest-bearing deposits | 69,214,000 | 83,629,000 | 106,095,000 | 122,436,000 |
| Noninterest-bearing deposits | 9,642,000 | 9,756,000 | 8,712,000 | 10,653,000 |
| Equity capital | 18,310,000 | 18,203,000 | 18,571,000 | 18,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,637,000 | 4,291,000 | 6,135,000 |
| Interest expense | 462,000 | 999,000 | 1,606,000 | 2,296,000 |
| Net interest income | 783,000 | 1,638,000 | 2,685,000 | 3,839,000 |
| Noninterest income | 29,000 | 96,000 | 155,000 | 203,000 |
| Noninterest expense | 738,000 | 1,578,000 | 2,594,000 | 3,602,000 |
| Provision for loan losses | 68,000 | 143,000 | 218,000 | 368,000 |
| Pretax income | 9,000 | 19,000 | 34,000 | 78,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 9,000 | 19,000 | 34,000 | 78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,184,000 | 18,232,000 | 18,294,000 | 18,387,000 |
| Total capital | 19,134,000 | 19,257,000 | 19,394,000 | 19,637,000 |
| Risk-weighted assets | 85,184,000 | 97,216,000 | 104,375,000 | 119,587,000 |