Call reports 2015
NEW JERSEY COMMUNITY BANK — 2015
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 129,306,000 | 132,066,000 | 126,250,000 | 111,078,000 |
| Total loans | 83,058,000 | 81,914,000 | 77,092,000 | 72,674,000 |
| Allowance for loan losses | 1,591,000 | 1,591,000 | 1,990,000 | 1,569,000 |
| Securities available for sale | 13,724,000 | 13,459,000 | 11,463,000 | 9,069,000 |
| Securities held to maturity | 4,888,000 | 6,556,000 | 6,546,000 | 6,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,293,000 | 117,215,000 | 111,779,000 | 98,819,000 |
| Interest-bearing deposits | 101,386,000 | 100,924,000 | 96,480,000 | 83,664,000 |
| Noninterest-bearing deposits | 12,907,000 | 16,291,000 | 15,299,000 | 15,155,000 |
| Equity capital | 14,543,000 | 14,421,000 | 14,021,000 | 11,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,453,000 | 3,571,000 | 4,628,000 |
| Interest expense | 211,000 | 428,000 | 644,000 | 828,000 |
| Net interest income | 1,008,000 | 2,025,000 | 2,927,000 | 3,800,000 |
| Noninterest income | 81,000 | 171,000 | 260,000 | 324,000 |
| Noninterest expense | 1,150,000 | 2,323,000 | 3,422,000 | 4,654,000 |
| Provision for loan losses | 15,000 | 15,000 | 710,000 | 710,000 |
| Pretax income | -76,000 | -142,000 | -945,000 | -1,240,000 |
| Income tax | -30,000 | -55,000 | -377,000 | 1,542,000 |
| Net income | -46,000 | -87,000 | -568,000 | -2,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,998,000 | 12,949,000 | 12,478,000 | 11,795,000 |
| Total capital | 14,228,000 | 14,177,000 | 13,620,000 | 12,858,000 |
| Risk-weighted assets | 98,041,000 | 96,937,000 | 89,618,000 | 84,536,000 |