Call reports 2003
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2003
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 219,390,000 | 225,847,000 | 220,617,000 | 217,011,000 |
| Total loans | 133,906,000 | 133,861,000 | 136,708,000 | 140,641,000 |
| Allowance for loan losses | 1,674,000 | 1,692,000 | 1,696,000 | 1,674,000 |
| Securities available for sale | 30,280,000 | 28,328,000 | 28,271,000 | 28,188,000 |
| Securities held to maturity | 26,574,000 | 26,826,000 | 27,176,000 | 27,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,136,000 | 199,550,000 | 194,171,000 | 190,185,000 |
| Interest-bearing deposits | 145,955,000 | 146,521,000 | 144,188,000 | 138,616,000 |
| Noninterest-bearing deposits | 47,181,000 | 53,029,000 | 49,983,000 | 51,569,000 |
| Equity capital | 24,449,000 | 24,673,000 | 24,887,000 | 25,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,921,000 | 5,779,000 | 8,549,000 | 11,345,000 |
| Interest expense | 606,000 | 1,112,000 | 1,536,000 | 1,925,000 |
| Net interest income | 2,315,000 | 4,667,000 | 7,013,000 | 9,420,000 |
| Noninterest income | 119,000 | 250,000 | 378,000 | 502,000 |
| Noninterest expense | 1,651,000 | 3,356,000 | 5,014,000 | 6,707,000 |
| Provision for loan losses | 30,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 753,000 | 1,511,000 | 2,312,000 | 3,135,000 |
| Income tax | 270,000 | 487,000 | 691,000 | 918,000 |
| Net income | 483,000 | 1,024,000 | 1,621,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,316,000 | 24,554,000 | 24,806,000 | 25,076,000 |
| Total capital | 25,924,000 | 26,191,000 | 26,464,000 | 26,750,000 |
| Risk-weighted assets | 128,588,000 | 130,891,000 | 132,605,000 | 136,206,000 |