Call reports 2005
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2005
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 227,656,000 | 231,036,000 | 238,662,000 | 229,159,000 |
| Total loans | 144,273,000 | 150,743,000 | 152,440,000 | 157,277,000 |
| Allowance for loan losses | 1,739,000 | 1,761,000 | 1,789,000 | 1,801,000 |
| Securities available for sale | 32,571,000 | 27,714,000 | 22,717,000 | 21,723,000 |
| Securities held to maturity | 31,583,000 | 31,986,000 | 31,278,000 | 31,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,787,000 | 202,940,000 | 210,371,000 | 200,711,000 |
| Interest-bearing deposits | 145,496,000 | 148,198,000 | 156,067,000 | 146,073,000 |
| Noninterest-bearing deposits | 54,291,000 | 54,742,000 | 54,304,000 | 54,638,000 |
| Equity capital | 25,881,000 | 26,195,000 | 26,331,000 | 26,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,753,000 | 5,602,000 | 8,584,000 | 11,589,000 |
| Interest expense | 496,000 | 1,047,000 | 1,755,000 | 2,521,000 |
| Net interest income | 2,257,000 | 4,555,000 | 6,829,000 | 9,068,000 |
| Noninterest income | 152,000 | 309,000 | 480,000 | 665,000 |
| Noninterest expense | 1,808,000 | 3,515,000 | 5,299,000 | 7,002,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 72,000 |
| Pretax income | 586,000 | 1,319,000 | 1,921,000 | 2,630,000 |
| Income tax | 137,000 | 327,000 | 495,000 | 659,000 |
| Net income | 449,000 | 992,000 | 1,426,000 | 1,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,143,000 | 26,369,000 | 26,500,000 | 26,722,000 |
| Total capital | 27,882,000 | 28,130,000 | 28,289,000 | 28,523,000 |
| Risk-weighted assets | 142,937,000 | 147,600,000 | 152,165,000 | 152,971,000 |