Call reports 2013
NEW JERSEY COMMUNITY BANK — 2013
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 130,925,000 | 130,877,000 | 135,299,000 | 144,503,000 |
| Total loans | 90,736,000 | 91,515,000 | 92,731,000 | 94,934,000 |
| Allowance for loan losses | 1,235,000 | 1,290,000 | 1,372,000 | 1,982,000 |
| Securities available for sale | 12,546,000 | 13,295,000 | 14,876,000 | 14,644,000 |
| Securities held to maturity | 2,899,000 | 3,139,000 | 3,353,000 | 3,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,618,000 | 114,682,000 | 119,148,000 | 127,972,000 |
| Interest-bearing deposits | 106,055,000 | 105,450,000 | 108,643,000 | 114,670,000 |
| Noninterest-bearing deposits | 8,563,000 | 9,232,000 | 10,505,000 | 13,302,000 |
| Equity capital | 15,848,000 | 15,810,000 | 15,666,000 | 14,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,404,000 | 2,834,000 | 4,037,000 | 5,464,000 |
| Interest expense | 267,000 | 494,000 | 717,000 | 961,000 |
| Net interest income | 1,137,000 | 2,340,000 | 3,320,000 | 4,503,000 |
| Noninterest income | 91,000 | 198,000 | 333,000 | 456,000 |
| Noninterest expense | 1,031,000 | 2,101,000 | 3,143,000 | 6,200,000 |
| Provision for loan losses | 35,000 | 90,000 | 195,000 | 855,000 |
| Pretax income | 162,000 | 363,000 | 331,000 | -2,080,000 |
| Income tax | 72,000 | 159,000 | 152,000 | -833,000 |
| Net income | 90,000 | 204,000 | 179,000 | -1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,369,000 | 15,507,000 | 15,508,000 | 13,662,000 |
| Total capital | 16,604,000 | 16,797,000 | 16,862,000 | 15,051,000 |
| Risk-weighted assets | 102,471,000 | 104,310,000 | 108,280,000 | 110,532,000 |