Call reports 2005
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2005
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 276,517,000 | 286,713,000 | 498,621,000 | 514,580,000 |
| Total loans | 147,244,000 | 156,198,000 | 293,054,000 | 313,469,000 |
| Allowance for loan losses | 1,723,000 | 1,711,000 | 2,963,000 | 3,175,000 |
| Securities available for sale | 70,427,000 | 68,685,000 | 114,966,000 | 111,281,000 |
| Securities held to maturity | 15,837,000 | 15,178,000 | 23,125,000 | 22,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,161,000 | 230,660,000 | 410,799,000 | 407,554,000 |
| Interest-bearing deposits | 176,815,000 | 181,570,000 | 319,358,000 | 316,265,000 |
| Noninterest-bearing deposits | 44,346,000 | 49,090,000 | 91,441,000 | 91,289,000 |
| Equity capital | 49,236,000 | 49,779,000 | 67,938,000 | 67,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,132,000 | 6,383,000 | 18,217,000 | 25,058,000 |
| Interest expense | 879,000 | 1,925,000 | 4,969,000 | 7,162,000 |
| Net interest income | 2,253,000 | 4,458,000 | 13,248,000 | 17,896,000 |
| Noninterest income | 198,000 | 419,000 | 1,154,000 | 1,514,000 |
| Noninterest expense | 2,109,000 | 4,272,000 | 11,018,000 | 14,550,000 |
| Provision for loan losses | 85,000 | 164,000 | 215,000 | 427,000 |
| Pretax income | 257,000 | 441,000 | 3,169,000 | 4,433,000 |
| Income tax | 70,000 | 113,000 | 1,051,000 | 1,461,000 |
| Net income | 187,000 | 328,000 | 2,118,000 | 2,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,389,000 | 19,091,000 | 37,277,000 | 36,895,000 |
| Total capital | 22,112,000 | 20,802,000 | 40,240,000 | 40,070,000 |
| Risk-weighted assets | 166,937,000 | 176,591,000 | 329,835,000 | 349,088,000 |