Call reports 2014
NEW JERSEY COMMUNITY BANK — 2014
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,761,000 | 138,690,000 | 128,171,000 | 122,018,000 |
| Total loans | 95,720,000 | 94,166,000 | 86,472,000 | 86,111,000 |
| Allowance for loan losses | 1,689,000 | 1,763,000 | 1,374,000 | 1,576,000 |
| Securities available for sale | 14,741,000 | 14,807,000 | 13,695,000 | 13,679,000 |
| Securities held to maturity | 3,463,000 | 3,454,000 | 3,446,000 | 3,044,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,149,000 | 123,708,000 | 113,202,000 | 107,088,000 |
| Interest-bearing deposits | 111,226,000 | 108,745,000 | 100,339,000 | 96,418,000 |
| Noninterest-bearing deposits | 11,923,000 | 14,963,000 | 12,864,000 | 10,670,000 |
| Equity capital | 14,330,000 | 14,511,000 | 14,554,000 | 14,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,736,000 | 4,066,000 | 5,278,000 |
| Interest expense | 252,000 | 495,000 | 725,000 | 932,000 |
| Net interest income | 1,113,000 | 2,241,000 | 3,341,000 | 4,346,000 |
| Noninterest income | 134,000 | 254,000 | 354,000 | 439,000 |
| Noninterest expense | 1,190,000 | 2,068,000 | 3,207,000 | 4,260,000 |
| Provision for loan losses | 60,000 | 335,000 | 365,000 | 628,000 |
| Pretax income | -3,000 | 92,000 | 123,000 | -103,000 |
| Income tax | 5,000 | 50,000 | 69,000 | -35,000 |
| Net income | -8,000 | 42,000 | 54,000 | -68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,191,000 | 13,266,000 | 13,303,000 | 13,031,000 |
| Total capital | 14,578,000 | 14,627,000 | 14,568,000 | 14,270,000 |
| Risk-weighted assets | 110,665,000 | 109,067,000 | 101,078,000 | 98,773,000 |