Call reports 2012
NEW JERSEY COMMUNITY BANK — 2012
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 132,156,000 | 131,285,000 | 132,195,000 | 138,678,000 |
| Total loans | 87,794,000 | 90,440,000 | 93,322,000 | 92,156,000 |
| Allowance for loan losses | 1,143,000 | 1,163,000 | 1,180,000 | 1,207,000 |
| Securities available for sale | 18,429,000 | 17,132,000 | 12,957,000 | 11,092,000 |
| Securities held to maturity | 1,469,000 | 2,943,000 | 2,937,000 | 2,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,391,000 | 115,372,000 | 116,268,000 | 122,547,000 |
| Interest-bearing deposits | 109,639,000 | 107,900,000 | 108,319,000 | 112,463,000 |
| Noninterest-bearing deposits | 6,752,000 | 7,472,000 | 7,949,000 | 10,084,000 |
| Equity capital | 15,406,000 | 15,587,000 | 15,622,000 | 15,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,912,000 | 4,405,000 | 5,902,000 |
| Interest expense | 351,000 | 673,000 | 989,000 | 1,291,000 |
| Net interest income | 1,102,000 | 2,239,000 | 3,416,000 | 4,611,000 |
| Noninterest income | 108,000 | 190,000 | 268,000 | 348,000 |
| Noninterest expense | 975,000 | 1,969,000 | 3,191,000 | 4,217,000 |
| Provision for loan losses | 45,000 | 70,000 | 90,000 | 117,000 |
| Pretax income | 190,000 | 390,000 | 403,000 | 644,000 |
| Income tax | 82,000 | 170,000 | 182,000 | 283,000 |
| Net income | 108,000 | 220,000 | 221,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,927,000 | 15,062,000 | 15,089,000 | 15,254,000 |
| Total capital | 16,070,000 | 16,225,000 | 16,269,000 | 16,461,000 |
| Risk-weighted assets | 96,372,000 | 100,461,000 | 102,902,000 | 104,792,000 |