Call reports 2016
NEW JERSEY COMMUNITY BANK — 2016
What NEW JERSEY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 102,844,000 | 103,281,000 | 101,892,000 | 105,163,000 |
| Total loans | 68,759,000 | 71,343,000 | 71,514,000 | 76,796,000 |
| Allowance for loan losses | 1,569,000 | 1,569,000 | 1,608,000 | 1,608,000 |
| Securities available for sale | 4,602,000 | 4,326,000 | 5,074,000 | 6,152,000 |
| Securities held to maturity | 6,277,000 | 6,270,000 | 6,262,000 | 6,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,892,000 | 91,795,000 | 90,900,000 | 94,538,000 |
| Interest-bearing deposits | 78,177,000 | 79,145,000 | 80,100,000 | 81,621,000 |
| Noninterest-bearing deposits | 12,715,000 | 12,651,000 | 10,800,000 | 12,917,000 |
| Equity capital | 11,535,000 | 10,967,000 | 10,571,000 | 10,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 997,000 | 1,908,000 | 2,835,000 | 3,760,000 |
| Interest expense | 169,000 | 338,000 | 525,000 | 712,000 |
| Net interest income | 828,000 | 1,570,000 | 2,310,000 | 3,048,000 |
| Noninterest income | 62,000 | 188,000 | 256,000 | 330,000 |
| Noninterest expense | 1,173,000 | 2,621,000 | 3,827,000 | 4,998,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -283,000 | -863,000 | -1,261,000 | -1,620,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | -283,000 | -863,000 | -1,261,000 | -1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,514,000 | 10,935,000 | 10,538,000 | 10,178,000 |
| Total capital | 12,503,000 | 11,920,000 | 11,507,000 | 11,177,000 |
| Risk-weighted assets | 78,610,000 | 78,245,000 | 76,913,000 | 79,358,000 |