Call reports 2015
CAPITAL BANK OF NEW JERSEY — 2015
What CAPITAL BANK OF NEW JERSEY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 361,456,000 | 362,321,000 | 368,871,000 | 378,025,000 |
| Total loans | 224,224,000 | 240,224,000 | 242,305,000 | 253,351,000 |
| Allowance for loan losses | 4,323,000 | 4,463,000 | 4,282,000 | 4,482,000 |
| Securities available for sale | 87,039,000 | 81,902,000 | 83,400,000 | 84,187,000 |
| Securities held to maturity | 12,987,000 | 11,329,000 | 11,536,000 | 7,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,868,000 | 296,704,000 | 320,620,000 | 339,086,000 |
| Interest-bearing deposits | 244,365,000 | 234,919,000 | 239,438,000 | 262,888,000 |
| Noninterest-bearing deposits | 59,503,000 | 61,785,000 | 81,182,000 | 76,198,000 |
| Equity capital | 35,834,000 | 35,960,000 | 36,542,000 | 37,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,363,000 | 6,899,000 | 10,500,000 | 14,118,000 |
| Interest expense | 243,000 | 492,000 | 734,000 | 991,000 |
| Net interest income | 3,120,000 | 6,407,000 | 9,766,000 | 13,127,000 |
| Noninterest income | 207,000 | 597,000 | 883,000 | 1,154,000 |
| Noninterest expense | 1,983,000 | 4,149,000 | 6,265,000 | 8,382,000 |
| Provision for loan losses | 105,000 | 245,000 | 350,000 | 550,000 |
| Pretax income | 1,324,000 | 2,791,000 | 4,174,000 | 5,473,000 |
| Income tax | 375,000 | 809,000 | 1,218,000 | 1,593,000 |
| Net income | 949,000 | 1,982,000 | 2,956,000 | 3,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,468,000 | 35,527,000 | 35,621,000 | 36,607,000 |
| Total capital | 37,913,000 | 39,114,000 | 39,210,000 | 40,326,000 |
| Risk-weighted assets | 274,802,000 | 286,093,000 | 286,394,000 | 296,816,000 |