Call reports 2012
CAPITAL BANK OF NEW JERSEY — 2012
What CAPITAL BANK OF NEW JERSEY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 257,492,000 | 260,771,000 | 283,544,000 | 288,344,000 |
| Total loans | 165,951,000 | 172,948,000 | 177,735,000 | 186,407,000 |
| Allowance for loan losses | 2,806,000 | 2,981,000 | 2,930,000 | 3,250,000 |
| Securities available for sale | 58,930,000 | 55,045,000 | 74,689,000 | 75,778,000 |
| Securities held to maturity | 43,000 | 43,000 | 42,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,379,000 | 231,349,000 | 252,910,000 | 258,527,000 |
| Interest-bearing deposits | 190,573,000 | 201,825,000 | 216,110,000 | 215,982,000 |
| Noninterest-bearing deposits | 30,806,000 | 29,524,000 | 36,800,000 | 42,545,000 |
| Equity capital | 26,604,000 | 27,507,000 | 28,553,000 | 28,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,882,000 | 5,830,000 | 8,820,000 | 11,961,000 |
| Interest expense | 486,000 | 981,000 | 1,472,000 | 1,965,000 |
| Net interest income | 2,396,000 | 4,849,000 | 7,348,000 | 9,996,000 |
| Noninterest income | 143,000 | 304,000 | 460,000 | 633,000 |
| Noninterest expense | 1,623,000 | 3,297,000 | 4,972,000 | 6,681,000 |
| Provision for loan losses | 165,000 | 330,000 | 570,000 | 875,000 |
| Pretax income | 758,000 | 1,563,000 | 2,306,000 | 3,113,000 |
| Income tax | 257,000 | 532,000 | 744,000 | 1,071,000 |
| Net income | 501,000 | 1,031,000 | 1,562,000 | 2,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,804,000 | 26,433,000 | 27,078,000 | 27,569,000 |
| Total capital | 28,323,000 | 29,009,000 | 29,757,000 | 30,356,000 |
| Risk-weighted assets | 201,246,000 | 205,673,000 | 214,144,000 | 222,493,000 |