Call reports 2008
BRIDGE COMMUNITY BANK — 2008
What BRIDGE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 57,274,000 | 55,001,000 | 58,674,000 | 55,465,000 |
| Total loans | 33,816,000 | 33,655,000 | 34,275,000 | 36,418,000 |
| Allowance for loan losses | 367,000 | 365,000 | 386,000 | 391,000 |
| Securities available for sale | 7,709,000 | 14,326,000 | 16,082,000 | 15,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,258,000 | 49,908,000 | 53,501,000 | 47,565,000 |
| Interest-bearing deposits | 45,179,000 | 43,322,000 | 46,536,000 | 40,221,000 |
| Noninterest-bearing deposits | 7,079,000 | 6,586,000 | 6,965,000 | 7,344,000 |
| Equity capital | 4,655,000 | 4,749,000 | 4,721,000 | 4,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,520,000 | 2,262,000 | 3,019,000 |
| Interest expense | 321,000 | 595,000 | 864,000 | 1,105,000 |
| Net interest income | 451,000 | 925,000 | 1,398,000 | 1,914,000 |
| Noninterest income | 110,000 | 218,000 | 324,000 | 421,000 |
| Noninterest expense | 371,000 | 752,000 | 1,138,000 | 1,556,000 |
| Provision for loan losses | 25,000 | 35,000 | 55,000 | 85,000 |
| Pretax income | 178,000 | 371,000 | 544,000 | 709,000 |
| Income tax | 61,000 | 119,000 | 170,000 | 214,000 |
| Net income | 117,000 | 252,000 | 374,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,613,000 | 4,748,000 | 4,870,000 | 4,991,000 |
| Total capital | 4,980,000 | 5,113,000 | 5,256,000 | 5,380,000 |
| Risk-weighted assets | 41,102,000 | 34,930,000 | 36,221,000 | 37,480,000 |