Call reports 2016
BANK OF NEW JERSEY — 2016
What BANK OF NEW JERSEY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 793,894,000 | 821,396,000 | 835,072,000 | 822,440,000 |
| Total loans | 651,894,000 | 654,445,000 | 659,707,000 | 659,985,000 |
| Allowance for loan losses | 8,076,000 | 8,226,000 | 8,320,000 | 8,287,000 |
| Securities available for sale | 61,080,000 | 58,680,000 | 61,778,000 | 61,589,000 |
| Securities held to maturity | 5,396,000 | 5,096,000 | 5,096,000 | 7,343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 692,304,000 | 705,161,000 | 725,239,000 | 717,988,000 |
| Interest-bearing deposits | 571,124,000 | 558,762,000 | 576,270,000 | 580,424,000 |
| Noninterest-bearing deposits | 121,180,000 | 146,399,000 | 148,969,000 | 137,564,000 |
| Equity capital | 74,348,000 | 75,427,000 | 76,107,000 | 77,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,062,000 | 15,836,000 | 23,732,000 | 31,409,000 |
| Interest expense | 1,836,000 | 3,562,000 | 5,296,000 | 6,974,000 |
| Net interest income | 6,226,000 | 12,274,000 | 18,436,000 | 24,435,000 |
| Noninterest income | 85,000 | 190,000 | 392,000 | 491,000 |
| Noninterest expense | 3,991,000 | 8,411,000 | 12,653,000 | 17,221,000 |
| Provision for loan losses | 300,000 | 450,000 | 1,570,000 | 1,570,000 |
| Pretax income | 2,020,000 | 3,603,000 | 4,605,000 | 6,135,000 |
| Income tax | 728,000 | 1,280,000 | 1,602,000 | 2,134,000 |
| Net income | 1,292,000 | 2,323,000 | 3,003,000 | 4,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,418,000 | 75,434,000 | 76,107,000 | 77,337,000 |
| Total capital | 82,816,000 | 84,016,000 | 84,742,000 | 85,994,000 |
| Risk-weighted assets | 676,216,000 | 691,626,000 | 690,729,000 | 704,109,000 |