Call reports 2013
CAPITAL BANK OF NEW JERSEY — 2013
What CAPITAL BANK OF NEW JERSEY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 291,554,000 | 320,352,000 | 314,441,000 | 317,517,000 |
| Total loans | 189,576,000 | 203,310,000 | 203,726,000 | 212,023,000 |
| Allowance for loan losses | 3,410,000 | 3,592,000 | 3,848,000 | 4,089,000 |
| Securities available for sale | 74,557,000 | 80,596,000 | 83,615,000 | 81,891,000 |
| Securities held to maturity | 41,000 | 41,000 | 566,000 | 752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,834,000 | 273,460,000 | 281,386,000 | 277,898,000 |
| Interest-bearing deposits | 226,537,000 | 233,047,000 | 227,352,000 | 229,736,000 |
| Noninterest-bearing deposits | 34,297,000 | 40,413,000 | 54,034,000 | 48,162,000 |
| Equity capital | 29,323,000 | 27,893,000 | 28,422,000 | 28,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,133,000 | 6,357,000 | 9,678,000 | 13,076,000 |
| Interest expense | 377,000 | 751,000 | 1,110,000 | 1,464,000 |
| Net interest income | 2,756,000 | 5,606,000 | 8,568,000 | 11,612,000 |
| Noninterest income | 166,000 | 345,000 | 561,000 | 749,000 |
| Noninterest expense | 1,758,000 | 3,632,000 | 5,544,000 | 7,522,000 |
| Provision for loan losses | 150,000 | 325,000 | 575,000 | 950,000 |
| Pretax income | 1,014,000 | 2,034,000 | 3,050,000 | 3,938,000 |
| Income tax | 331,000 | 663,000 | 1,018,000 | 1,324,000 |
| Net income | 683,000 | 1,371,000 | 2,032,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,193,000 | 28,891,000 | 29,565,000 | 30,175,000 |
| Total capital | 31,084,000 | 32,016,000 | 32,681,000 | 33,378,000 |
| Risk-weighted assets | 230,750,000 | 249,529,000 | 248,576,000 | 255,386,000 |