Call reports 2014
CAPITAL BANK OF NEW JERSEY — 2014
What CAPITAL BANK OF NEW JERSEY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 323,188,000 | 356,803,000 | 355,949,000 | 347,386,000 |
| Total loans | 214,977,000 | 212,386,000 | 212,367,000 | 216,203,000 |
| Allowance for loan losses | 4,251,000 | 4,218,000 | 4,218,000 | 4,218,000 |
| Securities available for sale | 82,604,000 | 84,212,000 | 90,184,000 | 85,105,000 |
| Securities held to maturity | 752,000 | 3,428,000 | 6,509,000 | 12,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,820,000 | 323,235,000 | 320,747,000 | 311,156,000 |
| Interest-bearing deposits | 228,056,000 | 266,904,000 | 256,671,000 | 246,572,000 |
| Noninterest-bearing deposits | 45,764,000 | 56,331,000 | 64,076,000 | 64,584,000 |
| Equity capital | 30,295,000 | 32,171,000 | 33,450,000 | 34,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,435,000 | 6,950,000 | 10,653,000 | 14,055,000 |
| Interest expense | 294,000 | 569,000 | 838,000 | 1,100,000 |
| Net interest income | 3,141,000 | 6,381,000 | 9,815,000 | 12,955,000 |
| Noninterest income | 176,000 | 354,000 | 531,000 | 799,000 |
| Noninterest expense | 1,923,000 | 4,003,000 | 6,085,000 | 8,082,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 1,240,000 | 2,480,000 | 3,972,000 | 5,245,000 |
| Income tax | 425,000 | 833,000 | 1,321,000 | 1,688,000 |
| Net income | 815,000 | 1,647,000 | 2,651,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,786,000 | 31,848,000 | 32,876,000 | 33,807,000 |
| Total capital | 34,028,000 | 35,132,000 | 36,169,000 | 37,141,000 |
| Risk-weighted assets | 258,340,000 | 261,790,000 | 262,539,000 | 265,840,000 |