Call reports 2007
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2007
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 522,737,000 | 536,165,000 | 507,388,000 | 504,114,000 |
| Total loans | 320,909,000 | 316,189,000 | 308,096,000 | 315,831,000 |
| Allowance for loan losses | 3,447,000 | 3,490,000 | 3,489,000 | 3,408,000 |
| Securities available for sale | 94,529,000 | 108,646,000 | 110,317,000 | 114,824,000 |
| Securities held to maturity | 20,449,000 | 18,099,000 | 17,712,000 | 17,430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,886,000 | 439,699,000 | 406,016,000 | 403,290,000 |
| Interest-bearing deposits | 402,974,000 | 416,032,000 | 386,647,000 | 329,335,000 |
| Noninterest-bearing deposits | 23,912,000 | 23,667,000 | 19,369,000 | 73,955,000 |
| Equity capital | 71,106,000 | 70,786,000 | 72,905,000 | 74,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,398,000 | 15,126,000 | 22,919,000 | 30,488,000 |
| Interest expense | 3,262,000 | 6,740,000 | 10,172,000 | 13,343,000 |
| Net interest income | 4,136,000 | 8,386,000 | 12,747,000 | 17,145,000 |
| Noninterest income | 389,000 | 811,000 | 1,228,000 | 1,654,000 |
| Noninterest expense | 3,651,000 | 7,095,000 | 10,799,000 | 14,370,000 |
| Provision for loan losses | 125,000 | 165,000 | 165,000 | 165,000 |
| Pretax income | -1,208,000 | 67,000 | 1,141,000 | 2,394,000 |
| Income tax | -55,000 | 376,000 | 707,000 | 1,111,000 |
| Net income | -1,153,000 | -309,000 | 434,000 | 1,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,291,000 | 41,454,000 | 43,176,000 | 44,696,000 |
| Total capital | 44,738,000 | 44,944,000 | 46,665,000 | 48,104,000 |
| Risk-weighted assets | 352,337,000 | 349,471,000 | 341,397,000 | 345,431,000 |