Call reports 2004
BRIDGE COMMUNITY BANK — 2004
What BRIDGE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 46,398,000 | 45,382,000 | 44,664,000 | 47,452,000 |
| Total loans | 25,379,000 | 24,749,000 | 25,035,000 | 25,565,000 |
| Allowance for loan losses | 309,000 | 298,000 | 325,000 | 325,000 |
| Securities available for sale | 17,934,000 | 17,835,000 | 16,700,000 | 15,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,439,000 | 40,952,000 | 40,116,000 | 43,303,000 |
| Interest-bearing deposits | 36,917,000 | 36,384,000 | 33,446,000 | 36,126,000 |
| Noninterest-bearing deposits | 5,522,000 | 4,568,000 | 6,670,000 | 7,177,000 |
| Equity capital | 3,832,000 | 3,610,000 | 3,942,000 | 3,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,194,000 | 1,782,000 | 2,363,000 |
| Interest expense | 143,000 | 285,000 | 432,000 | 594,000 |
| Net interest income | 453,000 | 909,000 | 1,350,000 | 1,769,000 |
| Noninterest income | 83,000 | 166,000 | 253,000 | 344,000 |
| Noninterest expense | 339,000 | 672,000 | 998,000 | 1,350,000 |
| Provision for loan losses | 50,000 | 75,000 | 125,000 | 125,000 |
| Pretax income | 147,000 | 329,000 | 483,000 | 641,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 30,000 |
| Net income | 140,000 | 314,000 | 460,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,702,000 | 3,842,000 | 3,951,000 | 4,036,000 |
| Total capital | 4,011,000 | 4,140,000 | 4,276,000 | 4,347,000 |
| Risk-weighted assets | 28,488,000 | 28,120,000 | 27,830,000 | 25,565,000 |