Call reports 2002
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2002
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 210,907,000 | 215,965,000 | 221,835,000 | 221,182,000 |
| Total loans | 142,544,000 | 142,077,000 | 138,973,000 | 135,109,000 |
| Allowance for loan losses | 1,554,000 | 1,584,000 | 1,614,000 | 1,644,000 |
| Securities available for sale | 24,200,000 | 24,219,000 | 23,315,000 | 31,332,000 |
| Securities held to maturity | 25,452,000 | 25,693,000 | 25,836,000 | 25,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,774,000 | 190,457,000 | 196,119,000 | 195,296,000 |
| Interest-bearing deposits | 143,751,000 | 145,910,000 | 153,361,000 | 151,366,000 |
| Noninterest-bearing deposits | 42,023,000 | 44,547,000 | 42,758,000 | 43,930,000 |
| Equity capital | 23,631,000 | 23,975,000 | 24,119,000 | 24,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,166,000 | 6,358,000 | 9,524,000 | 12,612,000 |
| Interest expense | 985,000 | 1,892,000 | 2,807,000 | 3,589,000 |
| Net interest income | 2,181,000 | 4,466,000 | 6,717,000 | 9,023,000 |
| Noninterest income | 106,000 | 208,000 | 312,000 | 425,000 |
| Noninterest expense | 1,431,000 | 2,921,000 | 4,555,000 | 6,214,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 826,000 | 1,693,000 | 2,384,000 | 3,114,000 |
| Income tax | 235,000 | 509,000 | 813,000 | 1,058,000 |
| Net income | 591,000 | 1,184,000 | 1,571,000 | 2,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,551,000 | 23,851,000 | 23,943,000 | 24,135,000 |
| Total capital | 25,105,000 | 25,435,000 | 25,557,000 | 25,764,000 |
| Risk-weighted assets | 133,844,000 | 135,403,000 | 133,904,000 | 130,305,000 |