Call reports 2010
NEW JERSEY COMMUNITY BANK — 2010
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 94,210,000 | 105,244,000 | 112,173,000 | 112,565,000 |
| Total loans | 68,421,000 | 73,534,000 | 78,600,000 | 84,693,000 |
| Allowance for loan losses | 777,000 | 880,000 | 913,000 | 975,000 |
| Securities available for sale | 6,959,000 | 10,273,000 | 11,530,000 | 11,381,000 |
| Securities held to maturity | 256,000 | 256,000 | 1,245,000 | 1,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,091,000 | 91,990,000 | 98,759,000 | 97,873,000 |
| Interest-bearing deposits | 75,969,000 | 86,029,000 | 92,816,000 | 92,146,000 |
| Noninterest-bearing deposits | 5,122,000 | 5,961,000 | 5,943,000 | 5,727,000 |
| Equity capital | 13,034,000 | 13,114,000 | 13,267,000 | 14,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,181,000 | 3,469,000 | 4,847,000 |
| Interest expense | 349,000 | 713,000 | 1,102,000 | 1,456,000 |
| Net interest income | 666,000 | 1,468,000 | 2,367,000 | 3,391,000 |
| Noninterest income | 98,000 | 205,000 | 312,000 | 439,000 |
| Noninterest expense | 758,000 | 1,553,000 | 2,343,000 | 3,206,000 |
| Provision for loan losses | 113,000 | 216,000 | 331,000 | 472,000 |
| Pretax income | -107,000 | -96,000 | 5,000 | 152,000 |
| Income tax | 5,000 | 5,000 | 5,000 | -1,185,000 |
| Net income | -112,000 | -101,000 | 0 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,039,000 | 13,093,000 | 13,236,000 | 13,766,000 |
| Total capital | 13,816,000 | 13,973,000 | 14,149,000 | 14,741,000 |
| Risk-weighted assets | 75,726,000 | 81,984,000 | 87,639,000 | 94,194,000 |