Call reports 2008
NEW JERSEY COMMUNITY BANK — 2008
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Total assets | 28,247,000 | 36,421,000 |
| Total loans | 13,833,000 | 22,218,000 |
| Allowance for loan losses | 150,000 | 245,000 |
| Securities available for sale | 200,000 | 200,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 13,321,000 | 21,834,000 |
| Interest-bearing deposits | 10,685,000 | 19,591,000 |
| Noninterest-bearing deposits | 2,636,000 | 2,243,000 |
| Equity capital | 14,898,000 | 14,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Interest income | 352,000 | 678,000 |
| Interest expense | 48,000 | 188,000 |
| Net interest income | 304,000 | 490,000 |
| Noninterest income | 14,000 | 47,000 |
| Noninterest expense | 1,882,000 | 2,435,000 |
| Provision for loan losses | 150,000 | 245,000 |
| Pretax income | -1,714,000 | -2,143,000 |
| Income tax | 0 | 0 |
| Net income | -1,714,000 | -2,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Tier 1 capital | 14,898,000 | 14,469,000 |
| Total capital | 15,048,000 | 14,714,000 |
| Risk-weighted assets | 20,274,000 | 27,763,000 |