Call reports 2015
BANK OF NEW JERSEY — 2015
What 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 | 782,477,000 | 802,943,000 | 810,184,000 | 802,920,000 |
| Total loans | 649,996,000 | 651,178,000 | 624,755,000 | 644,681,000 |
| Allowance for loan losses | 7,502,000 | 7,878,000 | 7,719,000 | 8,020,000 |
| Securities available for sale | 56,195,000 | 55,813,000 | 64,280,000 | 64,750,000 |
| Securities held to maturity | 11,261,000 | 8,715,000 | 8,718,000 | 5,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 679,036,000 | 700,005,000 | 706,992,000 | 700,738,000 |
| Interest-bearing deposits | 590,657,000 | 606,261,000 | 598,226,000 | 582,819,000 |
| Noninterest-bearing deposits | 88,379,000 | 93,744,000 | 108,765,000 | 117,919,000 |
| Equity capital | 70,486,000 | 71,243,000 | 72,584,000 | 73,153,000 |
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 | 7,823,000 | 15,926,000 | 23,749,000 | 31,526,000 |
| Interest expense | 1,947,000 | 3,990,000 | 6,052,000 | 8,041,000 |
| Net interest income | 5,876,000 | 11,936,000 | 17,697,000 | 23,485,000 |
| Noninterest income | 47,000 | 141,000 | 239,000 | 324,000 |
| Noninterest expense | 3,828,000 | 7,601,000 | 11,490,000 | 15,527,000 |
| Provision for loan losses | 370,000 | 783,000 | 659,000 | 924,000 |
| Pretax income | 1,720,000 | 3,678,000 | 5,772,000 | 7,343,000 |
| Income tax | 596,000 | 1,260,000 | 1,998,000 | 2,535,000 |
| Net income | 1,124,000 | 2,418,000 | 3,774,000 | 4,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,733,000 | 71,708,000 | 72,742,000 | 73,449,000 |
| Total capital | 78,501,000 | 79,893,000 | 80,726,000 | 81,790,000 |
| Risk-weighted assets | 666,744,000 | 661,625,000 | 647,450,000 | 670,801,000 |