Call reports 2012
BANK OF NEW JERSEY — 2012
What 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 | 501,590,000 | 526,732,000 | 548,793,000 | 571,374,000 |
| Total loans | 386,522,000 | 402,674,000 | 417,895,000 | 435,549,000 |
| Allowance for loan losses | 4,771,000 | 5,101,000 | 5,022,000 | 5,072,000 |
| Securities available for sale | 79,755,000 | 85,819,000 | 83,225,000 | 88,480,000 |
| Securities held to maturity | 877,000 | 928,000 | 3,660,000 | 5,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,993,000 | 471,833,000 | 492,474,000 | 515,735,000 |
| Interest-bearing deposits | 398,605,000 | 415,900,000 | 425,560,000 | 449,825,000 |
| Noninterest-bearing deposits | 49,388,000 | 55,933,000 | 66,914,000 | 65,910,000 |
| Equity capital | 52,147,000 | 53,511,000 | 54,230,000 | 53,720,000 |
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 | 5,446,000 | 11,293,000 | 17,312,000 | 23,422,000 |
| Interest expense | 1,459,000 | 2,974,000 | 4,533,000 | 6,074,000 |
| Net interest income | 3,987,000 | 8,319,000 | 12,779,000 | 17,348,000 |
| Noninterest income | 40,000 | 80,000 | 125,000 | 174,000 |
| Noninterest expense | 2,253,000 | 4,646,000 | 7,242,000 | 9,621,000 |
| Provision for loan losses | 295,000 | 625,000 | 885,000 | 1,198,000 |
| Pretax income | 1,479,000 | 3,128,000 | 5,015,000 | 6,946,000 |
| Income tax | 582,000 | 1,236,000 | 1,981,000 | 2,746,000 |
| Net income | 897,000 | 1,892,000 | 3,034,000 | 4,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,213,000 | 52,931,000 | 53,796,000 | 53,436,000 |
| Total capital | 56,984,000 | 58,032,000 | 58,818,000 | 58,508,000 |
| Risk-weighted assets | 392,434,000 | 408,864,000 | 426,149,000 | 442,888,000 |