Call reports 2007
BRIDGE COMMUNITY BANK — 2007
What BRIDGE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,752,000 | 49,873,000 | 55,430,000 | 52,988,000 |
| Total loans | 30,779,000 | 31,893,000 | 33,103,000 | 33,817,000 |
| Allowance for loan losses | 389,000 | 377,000 | 362,000 | 351,000 |
| Securities available for sale | 14,605,000 | 14,195,000 | 13,916,000 | 12,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,106,000 | 45,191,000 | 50,411,000 | 47,968,000 |
| Interest-bearing deposits | 42,726,000 | 38,625,000 | 43,935,000 | 40,873,000 |
| Noninterest-bearing deposits | 6,380,000 | 6,566,000 | 6,476,000 | 7,095,000 |
| Equity capital | 4,307,000 | 4,342,000 | 4,532,000 | 4,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,530,000 | 2,313,000 | 3,131,000 |
| Interest expense | 378,000 | 763,000 | 1,132,000 | 1,501,000 |
| Net interest income | 381,000 | 767,000 | 1,181,000 | 1,630,000 |
| Noninterest income | 93,000 | 197,000 | 283,000 | 401,000 |
| Noninterest expense | 355,000 | 731,000 | 1,094,000 | 1,484,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 94,000 | 208,000 | 345,000 | 522,000 |
| Income tax | 43,000 | 87,000 | 130,000 | 145,000 |
| Net income | 51,000 | 121,000 | 215,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,389,000 | 4,459,000 | 4,553,000 | 4,716,000 |
| Total capital | 4,778,000 | 4,836,000 | 4,915,000 | 5,067,000 |
| Risk-weighted assets | 38,658,000 | 34,951,000 | 37,800,000 | 38,149,000 |