Call reports 2019
BANK OF NEW JERSEY — 2019
What BANK OF NEW JERSEY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 912,944,000 | 924,718,000 | 961,734,000 | 939,920,000 |
| Total loans | 772,727,000 | 781,495,000 | 797,246,000 | 780,891,000 |
| Allowance for loan losses | 8,383,000 | 8,530,000 | 8,696,000 | 8,862,000 |
| Securities available for sale | 31,993,000 | 27,572,000 | 26,914,000 | 19,809,000 |
| Securities held to maturity | 5,852,000 | 0 | 264,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,976,000 | 762,001,000 | 799,907,000 | 778,769,000 |
| Interest-bearing deposits | 612,617,000 | 648,722,000 | 671,755,000 | 649,138,000 |
| Noninterest-bearing deposits | 130,359,000 | 113,279,000 | 128,152,000 | 129,631,000 |
| Equity capital | 90,942,000 | 95,519,000 | 96,141,000 | 97,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,375,000 | 19,062,000 | 29,379,000 | 39,094,000 |
| Interest expense | 2,974,000 | 6,272,000 | 9,931,000 | 13,483,000 |
| Net interest income | 6,401,000 | 12,790,000 | 19,448,000 | 25,611,000 |
| Noninterest income | 114,000 | 257,000 | 391,000 | 507,000 |
| Noninterest expense | 4,523,000 | 9,242,000 | 14,780,000 | 20,220,000 |
| Provision for loan losses | 0 | 140,000 | 390,000 | 390,000 |
| Pretax income | 1,992,000 | 3,665,000 | 4,669,000 | 5,508,000 |
| Income tax | 431,000 | 760,000 | 1,214,000 | 1,920,000 |
| Net income | 1,561,000 | 2,905,000 | 3,455,000 | 3,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,156,000 | 95,567,000 | 96,183,000 | 97,215,000 |
| Total capital | 99,851,000 | 104,384,000 | 105,157,000 | 106,320,000 |
| Risk-weighted assets | 825,065,000 | 836,468,000 | 852,176,000 | 829,760,000 |