Call reports 2004
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2004
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 231,747,000 | 234,973,000 | 235,759,000 | 229,613,000 |
| Total loans | 139,086,000 | 141,694,000 | 145,417,000 | 143,609,000 |
| Allowance for loan losses | 1,674,000 | 1,689,000 | 1,709,000 | 1,727,000 |
| Securities available for sale | 28,245,000 | 38,779,000 | 36,881,000 | 32,722,000 |
| Securities held to maturity | 27,911,000 | 28,079,000 | 30,332,000 | 30,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,643,000 | 208,036,000 | 208,221,000 | 201,976,000 |
| Interest-bearing deposits | 152,302,000 | 151,440,000 | 149,457,000 | 147,065,000 |
| Noninterest-bearing deposits | 52,341,000 | 56,596,000 | 58,764,000 | 54,911,000 |
| Equity capital | 25,246,000 | 25,099,000 | 25,644,000 | 25,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,729,000 | 5,511,000 | 8,398,000 | 11,210,000 |
| Interest expense | 422,000 | 849,000 | 1,289,000 | 1,751,000 |
| Net interest income | 2,307,000 | 4,662,000 | 7,109,000 | 9,459,000 |
| Noninterest income | 133,000 | 256,000 | 393,000 | 520,000 |
| Noninterest expense | 1,777,000 | 3,512,000 | 5,188,000 | 6,837,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 649,000 | 1,377,000 | 2,269,000 | 3,082,000 |
| Income tax | 217,000 | 409,000 | 510,000 | 743,000 |
| Net income | 432,000 | 968,000 | 1,759,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,173,000 | 25,246,000 | 25,728,000 | 25,989,000 |
| Total capital | 26,847,000 | 26,935,000 | 27,437,000 | 27,716,000 |
| Risk-weighted assets | 138,869,000 | 140,817,000 | 144,185,000 | 142,271,000 |