Call reports 2008
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2008
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 241,346,000 | 247,838,000 | 261,468,000 | 299,751,000 |
| Total loans | 167,799,000 | 178,529,000 | 197,633,000 | 210,300,000 |
| Allowance for loan losses | 1,755,000 | 1,773,000 | 1,838,000 | 1,903,000 |
| Securities available for sale | 10,105,000 | 10,001,000 | 8,994,000 | 5,593,000 |
| Securities held to maturity | 35,162,000 | 34,480,000 | 34,373,000 | 33,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,993,000 | 219,599,000 | 232,553,000 | 270,537,000 |
| Interest-bearing deposits | 162,953,000 | 167,612,000 | 184,510,000 | 226,529,000 |
| Noninterest-bearing deposits | 50,040,000 | 51,987,000 | 48,043,000 | 44,008,000 |
| Equity capital | 25,952,000 | 25,978,000 | 26,147,000 | 26,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,427,000 | 6,882,000 | 10,365,000 | 14,209,000 |
| Interest expense | 1,261,000 | 2,431,000 | 3,529,000 | 4,891,000 |
| Net interest income | 2,166,000 | 4,451,000 | 6,836,000 | 9,318,000 |
| Noninterest income | 228,000 | 460,000 | 755,000 | 963,000 |
| Noninterest expense | 1,876,000 | 3,833,000 | 5,780,000 | 7,786,000 |
| Provision for loan losses | 9,000 | 34,000 | 113,000 | 292,000 |
| Pretax income | 514,000 | 1,049,000 | 1,703,000 | 2,209,000 |
| Income tax | 85,000 | 182,000 | 350,000 | 436,000 |
| Net income | 429,000 | 867,000 | 1,353,000 | 1,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,880,000 | 26,029,000 | 26,149,000 | 26,255,000 |
| Total capital | 27,635,000 | 27,802,000 | 27,987,000 | 28,158,000 |
| Risk-weighted assets | 168,830,000 | 177,654,000 | 189,342,000 | 203,794,000 |