Call reports 2006
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2006
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 512,075,000 | 510,643,000 | 517,325,000 | 516,482,000 |
| Total loans | 318,205,000 | 318,043,000 | 313,840,000 | 315,564,000 |
| Allowance for loan losses | 3,226,000 | 3,279,000 | 3,599,000 | 3,229,000 |
| Securities available for sale | 108,386,000 | 102,550,000 | 101,225,000 | 95,735,000 |
| Securities held to maturity | 22,097,000 | 21,647,000 | 21,211,000 | 20,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,553,000 | 414,186,000 | 431,354,000 | 427,277,000 |
| Interest-bearing deposits | 305,692,000 | 393,937,000 | 405,992,000 | 397,237,000 |
| Noninterest-bearing deposits | 87,861,000 | 20,249,000 | 25,362,000 | 30,040,000 |
| Equity capital | 67,976,000 | 67,909,000 | 69,725,000 | 70,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,063,000 | 14,384,000 | 21,828,000 | 29,419,000 |
| Interest expense | 2,700,000 | 5,573,000 | 8,686,000 | 12,027,000 |
| Net interest income | 4,363,000 | 8,811,000 | 13,142,000 | 17,392,000 |
| Noninterest income | 480,000 | 904,000 | 1,325,000 | 1,740,000 |
| Noninterest expense | 3,540,000 | 7,135,000 | 10,782,000 | 14,309,000 |
| Provision for loan losses | 51,000 | 148,000 | 465,000 | 500,000 |
| Pretax income | 1,252,000 | 2,432,000 | 3,220,000 | 4,323,000 |
| Income tax | 428,000 | 827,000 | 1,066,000 | 1,428,000 |
| Net income | 824,000 | 1,605,000 | 2,154,000 | 2,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,130,000 | 39,026,000 | 40,425,000 | 41,547,000 |
| Total capital | 41,356,000 | 42,305,000 | 44,024,000 | 44,776,000 |
| Risk-weighted assets | 370,039,000 | 349,637,000 | 347,670,000 | 351,935,000 |