Call reports 2008
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2008
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 526,899,000 | 534,506,000 | 555,680,000 | 600,175,000 |
| Total loans | 321,281,000 | 329,658,000 | 347,043,000 | 361,398,000 |
| Allowance for loan losses | 3,476,000 | 3,560,000 | 3,817,000 | 4,741,000 |
| Securities available for sale | 128,718,000 | 127,305,000 | 136,521,000 | 170,683,000 |
| Securities held to maturity | 10,732,000 | 13,356,000 | 15,019,000 | 14,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,933,000 | 406,163,000 | 406,296,000 | 418,815,000 |
| Interest-bearing deposits | 325,612,000 | 324,458,000 | 326,647,000 | 342,868,000 |
| Noninterest-bearing deposits | 73,321,000 | 81,705,000 | 79,649,000 | 75,947,000 |
| Equity capital | 75,491,000 | 73,662,000 | 75,147,000 | 88,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,252,000 | 14,275,000 | 21,704,000 | 29,086,000 |
| Interest expense | 2,990,000 | 5,469,000 | 7,861,000 | 10,317,000 |
| Net interest income | 4,262,000 | 8,806,000 | 13,843,000 | 18,769,000 |
| Noninterest income | 613,000 | 1,089,000 | 1,594,000 | 1,992,000 |
| Noninterest expense | 3,823,000 | 7,700,000 | 11,690,000 | 15,637,000 |
| Provision for loan losses | 65,000 | 146,000 | 399,000 | 1,319,000 |
| Pretax income | 987,000 | 2,112,000 | 3,750,000 | 4,544,000 |
| Income tax | 304,000 | 653,000 | 1,260,000 | 1,390,000 |
| Net income | 683,000 | 1,459,000 | 2,490,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,884,000 | 44,325,000 | 45,531,000 | 56,542,000 |
| Total capital | 48,362,000 | 47,893,000 | 49,365,000 | 61,299,000 |
| Risk-weighted assets | 348,272,000 | 367,575,000 | 380,038,000 | 402,305,000 |