Call reports 2003
BRIDGE COMMUNITY BANK — 2003
What BRIDGE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 44,052,000 | 43,787,000 | 42,709,000 | 45,229,000 |
| Total loans | 26,828,000 | 25,538,000 | 26,127,000 | 25,350,000 |
| Allowance for loan losses | 358,000 | 320,000 | 348,000 | 302,000 |
| Securities available for sale | 11,852,000 | 12,826,000 | 13,251,000 | 16,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,042,000 | 39,763,000 | 38,648,000 | 41,325,000 |
| Interest-bearing deposits | 35,233,000 | 35,369,000 | 34,138,000 | 35,448,000 |
| Noninterest-bearing deposits | 4,809,000 | 4,394,000 | 4,510,000 | 5,877,000 |
| Equity capital | 3,798,000 | 3,872,000 | 3,857,000 | 3,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,220,000 | 1,842,000 | 2,415,000 |
| Interest expense | 194,000 | 371,000 | 527,000 | 670,000 |
| Net interest income | 426,000 | 849,000 | 1,315,000 | 1,745,000 |
| Noninterest income | 86,000 | 165,000 | 243,000 | 342,000 |
| Noninterest expense | 316,000 | 638,000 | 988,000 | 1,484,000 |
| Provision for loan losses | 100,000 | 100,000 | 125,000 | 125,000 |
| Pretax income | 96,000 | 278,000 | 447,000 | 480,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 23,000 |
| Net income | 88,000 | 262,000 | 424,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,582,000 | 3,682,000 | 3,803,000 | 3,798,000 |
| Total capital | 3,934,000 | 4,002,000 | 4,151,000 | 4,100,000 |
| Risk-weighted assets | 28,134,000 | 27,265,000 | 27,937,000 | 28,233,000 |