Call reports 2002
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2002
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 130,412,000 | 152,875,000 | 176,272,000 | 179,537,000 |
| Total loans | 71,354,000 | 79,220,000 | 83,494,000 | 90,858,000 |
| Allowance for loan losses | 967,000 | 1,074,000 | 1,130,000 | 1,228,000 |
| Securities available for sale | 14,175,000 | 14,043,000 | 32,056,000 | 44,791,000 |
| Securities held to maturity | 28,406,000 | 30,963,000 | 36,871,000 | 25,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,349,000 | 143,339,000 | 163,725,000 | 164,007,000 |
| Interest-bearing deposits | 101,320,000 | 121,231,000 | 139,025,000 | 141,426,000 |
| Noninterest-bearing deposits | 20,029,000 | 22,108,000 | 24,700,000 | 22,581,000 |
| Equity capital | 8,895,000 | 9,261,000 | 12,233,000 | 14,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 3,772,000 | 5,919,000 | 8,188,000 |
| Interest expense | 620,000 | 1,248,000 | 1,993,000 | 2,789,000 |
| Net interest income | 1,165,000 | 2,524,000 | 3,926,000 | 5,399,000 |
| Noninterest income | 109,000 | 216,000 | 403,000 | 589,000 |
| Noninterest expense | 1,085,000 | 2,273,000 | 3,523,000 | 4,920,000 |
| Provision for loan losses | 112,000 | 219,000 | 275,000 | 373,000 |
| Pretax income | 103,000 | 274,000 | 557,000 | 854,000 |
| Income tax | 0 | 0 | 7,000 | 70,000 |
| Net income | 103,000 | 274,000 | 550,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,925,000 | 9,096,000 | 12,015,000 | 14,782,000 |
| Total capital | 9,892,000 | 10,170,000 | 13,145,000 | 16,010,000 |
| Risk-weighted assets | 86,348,000 | 96,319,000 | 99,959,000 | 104,324,000 |