Call reports 2014
BANK OF NEW JERSEY — 2014
What 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 | 624,102,000 | 642,610,000 | 701,069,000 | 743,688,000 |
| Total loans | 502,901,000 | 537,561,000 | 588,216,000 | 633,544,000 |
| Allowance for loan losses | 5,978,000 | 6,046,000 | 6,647,000 | 7,192,000 |
| Securities available for sale | 68,389,000 | 63,953,000 | 62,114,000 | 58,451,000 |
| Securities held to maturity | 11,125,000 | 13,106,000 | 13,106,000 | 15,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,561,000 | 577,209,000 | 605,666,000 | 648,974,000 |
| Interest-bearing deposits | 493,716,000 | 497,266,000 | 525,944,000 | 559,464,000 |
| Noninterest-bearing deposits | 71,845,000 | 79,943,000 | 79,722,000 | 89,510,000 |
| Equity capital | 56,821,000 | 58,227,000 | 59,353,000 | 59,894,000 |
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 | 6,294,000 | 12,943,000 | 20,442,000 | 27,859,000 |
| Interest expense | 1,516,000 | 3,075,000 | 4,767,000 | 6,611,000 |
| Net interest income | 4,778,000 | 9,868,000 | 15,675,000 | 21,248,000 |
| Noninterest income | 55,000 | 104,000 | 155,000 | 206,000 |
| Noninterest expense | 2,950,000 | 5,971,000 | 9,180,000 | 12,452,000 |
| Provision for loan losses | 440,000 | 784,000 | 1,477,000 | 3,075,000 |
| Pretax income | 1,443,000 | 3,215,000 | 5,168,000 | 5,911,000 |
| Income tax | 572,000 | 1,266,000 | 1,958,000 | 2,121,000 |
| Net income | 871,000 | 1,949,000 | 3,210,000 | 3,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,248,000 | 59,111,000 | 59,962,000 | 60,045,000 |
| Total capital | 64,226,000 | 65,157,000 | 66,609,000 | 67,237,000 |
| Risk-weighted assets | 512,256,000 | 547,971,000 | 594,598,000 | 641,316,000 |