Call reports 2009
NEW JERSEY COMMUNITY BANK — 2009
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,514,000 | 62,543,000 | 78,272,000 | 88,209,000 |
| Total loans | 28,563,000 | 43,375,000 | 51,948,000 | 58,393,000 |
| Allowance for loan losses | 313,000 | 468,000 | 582,000 | 664,000 |
| Securities available for sale | 1,498,000 | 1,973,000 | 7,491,000 | 7,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,355,000 | 48,668,000 | 64,652,000 | 75,014,000 |
| Interest-bearing deposits | 35,429,000 | 43,002,000 | 58,093,000 | 70,632,000 |
| Noninterest-bearing deposits | 2,926,000 | 5,666,000 | 6,559,000 | 4,382,000 |
| Equity capital | 14,087,000 | 13,733,000 | 13,526,000 | 13,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 969,000 | 1,736,000 | 2,664,000 |
| Interest expense | 193,000 | 424,000 | 720,000 | 1,047,000 |
| Net interest income | 203,000 | 545,000 | 1,016,000 | 1,617,000 |
| Noninterest income | 38,000 | 83,000 | 136,000 | 200,000 |
| Noninterest expense | 551,000 | 1,158,000 | 1,787,000 | 2,487,000 |
| Provision for loan losses | 68,000 | 223,000 | 337,000 | 719,000 |
| Pretax income | -378,000 | -753,000 | -972,000 | -1,389,000 |
| Income tax | 2,000 | 5,000 | 5,000 | 5,000 |
| Net income | -380,000 | -758,000 | -977,000 | -1,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,089,000 | 13,710,000 | 13,491,000 | 13,108,000 |
| Total capital | 14,402,000 | 14,178,000 | 14,073,000 | 13,772,000 |
| Risk-weighted assets | 36,751,000 | 50,791,000 | 58,901,000 | 66,329,000 |