Call reports 2013
BANK OF NEW JERSEY — 2013
What 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 | 561,452,000 | 588,523,000 | 585,988,000 | 610,791,000 |
| Total loans | 445,349,000 | 472,152,000 | 473,932,000 | 472,126,000 |
| Allowance for loan losses | 5,213,000 | 5,534,000 | 5,649,000 | 5,775,000 |
| Securities available for sale | 50,935,000 | 60,507,000 | 54,369,000 | 68,048,000 |
| Securities held to maturity | 9,323,000 | 11,723,000 | 21,610,000 | 18,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,109,000 | 533,071,000 | 528,190,000 | 553,320,000 |
| Interest-bearing deposits | 441,951,000 | 463,303,000 | 456,670,000 | 483,700,000 |
| Noninterest-bearing deposits | 63,158,000 | 69,768,000 | 71,520,000 | 69,620,000 |
| Equity capital | 54,363,000 | 53,733,000 | 54,894,000 | 55,950,000 |
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 | 6,069,000 | 12,211,000 | 18,520,000 | 24,797,000 |
| Interest expense | 1,508,000 | 3,042,000 | 4,557,000 | 6,099,000 |
| Net interest income | 4,561,000 | 9,169,000 | 13,963,000 | 18,698,000 |
| Noninterest income | 51,000 | 97,000 | 140,000 | 183,000 |
| Noninterest expense | 2,638,000 | 5,271,000 | 7,849,000 | 10,557,000 |
| Provision for loan losses | 140,000 | 460,000 | 685,000 | 810,000 |
| Pretax income | 1,887,000 | 3,732,000 | 5,764,000 | 7,709,000 |
| Income tax | 742,000 | 1,470,000 | 2,277,000 | 3,055,000 |
| Net income | 1,145,000 | 2,262,000 | 3,487,000 | 4,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,288,000 | 55,141,000 | 56,371,000 | 57,607,000 |
| Total capital | 59,501,000 | 60,675,000 | 62,020,000 | 63,382,000 |
| Risk-weighted assets | 448,082,000 | 481,125,000 | 482,720,000 | 484,657,000 |