Call reports 2009
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2009
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 315,502,000 | 297,014,000 | 302,003,000 | 302,327,000 |
| Total loans | 214,106,000 | 219,778,000 | 222,828,000 | 219,176,000 |
| Allowance for loan losses | 2,112,000 | 2,143,000 | 2,054,000 | 3,076,000 |
| Securities available for sale | 8,111,000 | 7,633,000 | 11,375,000 | 7,088,000 |
| Securities held to maturity | 36,260,000 | 37,201,000 | 39,391,000 | 38,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,278,000 | 268,321,000 | 273,034,000 | 274,743,000 |
| Interest-bearing deposits | 239,397,000 | 221,963,000 | 225,159,000 | 224,897,000 |
| Noninterest-bearing deposits | 46,881,000 | 46,358,000 | 47,875,000 | 49,846,000 |
| Equity capital | 26,156,000 | 26,165,000 | 26,265,000 | 25,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,789,000 | 7,554,000 | 11,462,000 | 15,142,000 |
| Interest expense | 1,589,000 | 2,953,000 | 4,148,000 | 5,241,000 |
| Net interest income | 2,200,000 | 4,601,000 | 7,314,000 | 9,901,000 |
| Noninterest income | 208,000 | 414,000 | 624,000 | 823,000 |
| Noninterest expense | 2,038,000 | 4,244,000 | 6,618,000 | 8,946,000 |
| Provision for loan losses | 225,000 | 320,000 | 480,000 | 1,930,000 |
| Pretax income | 146,000 | 452,000 | 841,000 | -151,000 |
| Income tax | -49,000 | -44,000 | -22,000 | -245,000 |
| Net income | 195,000 | 496,000 | 863,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,112,000 | 26,104,000 | 26,162,000 | 25,084,000 |
| Total capital | 28,224,000 | 28,247,000 | 28,216,000 | 27,745,000 |
| Risk-weighted assets | 213,144,000 | 212,629,000 | 214,920,000 | 212,428,000 |