Call reports 2007
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2007
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 258,034,000 | 258,429,000 | 241,286,000 | 235,116,000 |
| Total loans | 166,775,000 | 161,365,000 | 156,877,000 | 166,393,000 |
| Allowance for loan losses | 1,762,000 | 1,782,000 | 1,794,000 | 1,786,000 |
| Securities available for sale | 25,799,000 | 27,834,000 | 20,984,000 | 10,053,000 |
| Securities held to maturity | 35,502,000 | 34,918,000 | 35,353,000 | 36,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,931,000 | 228,710,000 | 212,200,000 | 206,722,000 |
| Interest-bearing deposits | 176,928,000 | 178,084,000 | 163,807,000 | 158,159,000 |
| Noninterest-bearing deposits | 51,003,000 | 50,626,000 | 48,393,000 | 48,563,000 |
| Equity capital | 27,038,000 | 26,915,000 | 26,684,000 | 26,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,585,000 | 7,266,000 | 10,800,000 | 14,174,000 |
| Interest expense | 1,540,000 | 3,229,000 | 4,793,000 | 6,148,000 |
| Net interest income | 2,045,000 | 4,037,000 | 6,007,000 | 8,026,000 |
| Noninterest income | 156,000 | 358,000 | 601,000 | 836,000 |
| Noninterest expense | 1,922,000 | 3,863,000 | 5,778,000 | 7,736,000 |
| Provision for loan losses | 30,000 | 47,000 | 59,000 | 59,000 |
| Pretax income | 249,000 | 485,000 | 771,000 | 1,068,000 |
| Income tax | 8,000 | 5,000 | -15,000 | -17,000 |
| Net income | 241,000 | 480,000 | 786,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,043,000 | 26,943,000 | 26,665,000 | 26,250,000 |
| Total capital | 28,805,000 | 28,725,000 | 28,459,000 | 28,036,000 |
| Risk-weighted assets | 169,360,000 | 166,622,000 | 160,044,000 | 165,806,000 |