Call reports 2009
BANK OF NEW JERSEY — 2009
What 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 | 317,031,000 | 306,858,000 | 322,946,000 | 319,608,000 |
| Total loans | 240,873,000 | 254,796,000 | 259,504,000 | 263,943,000 |
| Allowance for loan losses | 2,432,000 | 2,576,000 | 2,647,000 | 2,792,000 |
| Securities available for sale | 24,260,000 | 24,052,000 | 20,284,000 | 21,111,000 |
| Securities held to maturity | 4,296,000 | 4,296,000 | 4,296,000 | 4,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,868,000 | 257,369,000 | 270,915,000 | 267,143,000 |
| Interest-bearing deposits | 239,927,000 | 222,466,000 | 240,302,000 | 230,457,000 |
| Noninterest-bearing deposits | 27,941,000 | 34,904,000 | 30,613,000 | 36,687,000 |
| Equity capital | 48,071,000 | 48,252,000 | 50,513,000 | 49,535,000 |
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 | 3,599,000 | 7,406,000 | 11,460,000 | 15,491,000 |
| Interest expense | 1,729,000 | 3,217,000 | 4,612,000 | 5,931,000 |
| Net interest income | 1,870,000 | 4,189,000 | 6,848,000 | 9,560,000 |
| Noninterest income | 38,000 | 86,000 | 141,000 | 182,000 |
| Noninterest expense | 1,637,000 | 3,533,000 | 5,307,000 | 7,183,000 |
| Provision for loan losses | 61,000 | 205,000 | 279,000 | 424,000 |
| Pretax income | 210,000 | 537,000 | 1,403,000 | 2,135,000 |
| Income tax | 94,000 | 230,000 | 581,000 | 878,000 |
| Net income | 116,000 | 307,000 | 822,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,065,000 | 48,371,000 | 50,492,000 | 49,469,000 |
| Total capital | 50,497,000 | 50,947,000 | 53,139,000 | 52,261,000 |
| Risk-weighted assets | 234,913,000 | 248,178,000 | 253,633,000 | 258,558,000 |