Call reports 2003
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2003
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 184,060,000 | 203,862,000 | 213,138,000 | 222,613,000 |
| Total loans | 91,821,000 | 91,333,000 | 105,546,000 | 117,183,000 |
| Allowance for loan losses | 1,246,000 | 1,251,000 | 1,267,000 | 1,378,000 |
| Securities available for sale | 45,581,000 | 71,705,000 | 78,417,000 | 73,157,000 |
| Securities held to maturity | 23,613,000 | 21,527,000 | 6,799,000 | 15,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,780,000 | 188,380,000 | 198,181,000 | 207,234,000 |
| Interest-bearing deposits | 147,475,000 | 159,854,000 | 166,654,000 | 180,416,000 |
| Noninterest-bearing deposits | 21,305,000 | 28,526,000 | 31,527,000 | 26,818,000 |
| Equity capital | 14,930,000 | 15,093,000 | 14,549,000 | 14,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,224,000 | 4,477,000 | 6,517,000 | 9,111,000 |
| Interest expense | 703,000 | 1,391,000 | 1,994,000 | 2,612,000 |
| Net interest income | 1,521,000 | 3,086,000 | 4,523,000 | 6,499,000 |
| Noninterest income | 158,000 | 340,000 | 520,000 | 704,000 |
| Noninterest expense | 1,530,000 | 3,093,000 | 4,688,000 | 6,325,000 |
| Provision for loan losses | 18,000 | 23,000 | 39,000 | 150,000 |
| Pretax income | 181,000 | 360,000 | 366,000 | 804,000 |
| Income tax | 72,000 | 144,000 | 146,000 | 322,000 |
| Net income | 109,000 | 216,000 | 220,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,891,000 | 14,998,000 | 15,003,000 | 15,107,000 |
| Total capital | 16,137,000 | 16,249,000 | 16,270,000 | 16,485,000 |
| Risk-weighted assets | 110,654,000 | 113,986,000 | 128,202,000 | 137,217,000 |