Call reports 2004
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2004
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,165,000 | 255,296,000 | 251,488,000 | 254,071,000 |
| Total loans | 122,350,000 | 134,510,000 | 138,210,000 | 141,335,000 |
| Allowance for loan losses | 1,428,000 | 1,506,000 | 1,566,000 | 1,638,000 |
| Securities available for sale | 86,106,000 | 77,785,000 | 76,560,000 | 73,667,000 |
| Securities held to maturity | 13,905,000 | 17,928,000 | 17,197,000 | 16,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,044,000 | 221,549,000 | 230,384,000 | 232,863,000 |
| Interest-bearing deposits | 186,879,000 | 190,358,000 | 199,015,000 | 185,658,000 |
| Noninterest-bearing deposits | 29,165,000 | 31,191,000 | 31,369,000 | 47,205,000 |
| Equity capital | 20,589,000 | 19,508,000 | 20,883,000 | 21,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,448,000 | 8,410,000 | 11,551,000 |
| Interest expense | 613,000 | 1,249,000 | 2,005,000 | 2,853,000 |
| Net interest income | 2,034,000 | 4,199,000 | 6,405,000 | 8,698,000 |
| Noninterest income | 181,000 | 412,000 | 639,000 | 849,000 |
| Noninterest expense | 1,671,000 | 3,431,000 | 5,239,000 | 7,098,000 |
| Provision for loan losses | 50,000 | 128,000 | 188,000 | 260,000 |
| Pretax income | 494,000 | 1,052,000 | 1,617,000 | 2,189,000 |
| Income tax | 200,000 | 381,000 | 584,000 | 778,000 |
| Net income | 294,000 | 671,000 | 1,033,000 | 1,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,327,000 | 19,794,000 | 20,828,000 | 21,085,000 |
| Total capital | 21,755,000 | 21,300,000 | 22,394,000 | 22,723,000 |
| Risk-weighted assets | 144,510,000 | 158,435,000 | 161,087,000 | 164,445,000 |