Call reports 2005
BRIDGE COMMUNITY BANK — 2005
What BRIDGE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,693,000 | 49,517,000 | 49,582,000 | 51,756,000 |
| Total loans | 25,787,000 | 27,508,000 | 28,934,000 | 28,679,000 |
| Allowance for loan losses | 334,000 | 340,000 | 354,000 | 364,000 |
| Securities available for sale | 16,574,000 | 18,171,000 | 17,528,000 | 17,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,642,000 | 45,515,000 | 45,384,000 | 47,705,000 |
| Interest-bearing deposits | 37,183,000 | 40,558,000 | 39,663,000 | 41,590,000 |
| Noninterest-bearing deposits | 5,459,000 | 4,957,000 | 5,721,000 | 6,115,000 |
| Equity capital | 3,889,000 | 3,783,000 | 3,786,000 | 3,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,228,000 | 1,899,000 | 2,576,000 |
| Interest expense | 182,000 | 402,000 | 659,000 | 945,000 |
| Net interest income | 405,000 | 826,000 | 1,240,000 | 1,631,000 |
| Noninterest income | 85,000 | 177,000 | 290,000 | 388,000 |
| Noninterest expense | 350,000 | 710,000 | 1,048,000 | 1,388,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 140,000 | 293,000 | 479,000 | 614,000 |
| Income tax | 8,000 | 14,000 | 77,000 | 135,000 |
| Net income | 132,000 | 391,000 | 514,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,134,000 | 3,896,000 | 4,019,000 | 4,112,000 |
| Total capital | 4,468,000 | 4,236,000 | 4,373,000 | 4,476,000 |
| Risk-weighted assets | 28,497,000 | 27,754,000 | 29,486,000 | 28,337,000 |