Call reports 2009
CENTRAL JERSEY BANK, NATIONAL ASSOCIATION — 2009
What CENTRAL JERSEY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 577,075,000 | 604,249,000 | 578,381,000 | 578,563,000 |
| Total loans | 361,846,000 | 376,391,000 | 380,206,000 | 379,087,000 |
| Allowance for loan losses | 7,180,000 | 7,604,000 | 8,677,000 | 9,613,000 |
| Securities available for sale | 145,972,000 | 186,701,000 | 104,364,000 | 96,947,000 |
| Securities held to maturity | 12,011,000 | 10,467,000 | 9,832,000 | 7,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,555,000 | 444,726,000 | 459,839,000 | 467,878,000 |
| Interest-bearing deposits | 359,977,000 | 369,746,000 | 378,604,000 | 387,378,000 |
| Noninterest-bearing deposits | 70,578,000 | 74,980,000 | 81,235,000 | 80,500,000 |
| Equity capital | 87,688,000 | 61,590,000 | 62,799,000 | 61,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,009,000 | 13,541,000 | 20,190,000 | 26,379,000 |
| Interest expense | 2,229,000 | 4,386,000 | 6,278,000 | 7,986,000 |
| Net interest income | 4,780,000 | 9,155,000 | 13,912,000 | 18,393,000 |
| Noninterest income | 376,000 | 992,000 | 1,728,000 | 2,172,000 |
| Noninterest expense | 4,044,000 | 34,995,000 | 39,060,000 | 43,699,000 |
| Provision for loan losses | 3,135,000 | 3,451,000 | 4,509,000 | 6,215,000 |
| Pretax income | -234,000 | -26,231,000 | -25,130,000 | -26,464,000 |
| Income tax | -586,000 | -315,000 | -168,000 | -838,000 |
| Net income | 352,000 | -25,916,000 | -24,962,000 | -25,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,373,000 | 45,727,000 | 46,805,000 | 45,801,000 |
| Total capital | 61,653,000 | 63,134,000 | 63,890,000 | 62,948,000 |
| Risk-weighted assets | 420,449,000 | 479,904,000 | 449,132,000 | 449,588,000 |