Call reports 2006
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2006
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 231,235,000 | 247,281,000 | 244,737,000 | 245,212,000 |
| Total loans | 161,756,000 | 169,273,000 | 168,374,000 | 167,946,000 |
| Allowance for loan losses | 1,784,000 | 1,757,000 | 1,765,000 | 1,764,000 |
| Securities available for sale | 12,854,000 | 16,773,000 | 18,911,000 | 11,926,000 |
| Securities held to maturity | 31,510,000 | 31,276,000 | 33,673,000 | 34,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,439,000 | 217,950,000 | 214,646,000 | 215,473,000 |
| Interest-bearing deposits | 146,051,000 | 162,138,000 | 159,727,000 | 161,676,000 |
| Noninterest-bearing deposits | 56,388,000 | 55,812,000 | 54,919,000 | 53,797,000 |
| Equity capital | 26,808,000 | 27,040,000 | 27,317,000 | 27,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,037,000 | 6,348,000 | 9,882,000 | 13,347,000 |
| Interest expense | 802,000 | 1,814,000 | 3,063,000 | 4,361,000 |
| Net interest income | 2,235,000 | 4,534,000 | 6,819,000 | 8,986,000 |
| Noninterest income | 161,000 | 328,000 | 499,000 | 680,000 |
| Noninterest expense | 1,787,000 | 3,525,000 | 5,299,000 | 7,168,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 515,000 | 1,240,000 | 1,919,000 | 2,395,000 |
| Income tax | 99,000 | 292,000 | 452,000 | 613,000 |
| Net income | 416,000 | 948,000 | 1,467,000 | 1,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,889,000 | 27,120,000 | 27,331,000 | 27,121,000 |
| Total capital | 28,673,000 | 28,877,000 | 29,096,000 | 28,885,000 |
| Risk-weighted assets | 157,720,000 | 166,564,000 | 165,618,000 | 166,571,000 |