Call reports 2010
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2010
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 297,901,000 | 307,015,000 | 303,637,000 | 310,033,000 |
| Total loans | 220,523,000 | 218,849,000 | 224,583,000 | 223,604,000 |
| Allowance for loan losses | 2,340,000 | 2,523,000 | 2,776,000 | 3,442,000 |
| Securities available for sale | 10,067,000 | 10,097,000 | 14,144,000 | 14,081,000 |
| Securities held to maturity | 36,844,000 | 39,206,000 | 40,152,000 | 41,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,154,000 | 278,592,000 | 275,358,000 | 281,420,000 |
| Interest-bearing deposits | 219,270,000 | 230,136,000 | 228,453,000 | 236,186,000 |
| Noninterest-bearing deposits | 49,884,000 | 48,456,000 | 46,905,000 | 45,234,000 |
| Equity capital | 25,860,000 | 26,048,000 | 26,171,000 | 25,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,604,000 | 7,292,000 | 11,007,000 | 14,805,000 |
| Interest expense | 927,000 | 1,893,000 | 2,861,000 | 3,805,000 |
| Net interest income | 2,677,000 | 5,399,000 | 8,146,000 | 11,000,000 |
| Noninterest income | 490,000 | 672,000 | 622,000 | 1,229,000 |
| Noninterest expense | 2,440,000 | 4,750,000 | 6,962,000 | 9,253,000 |
| Provision for loan losses | 150,000 | 350,000 | 575,000 | 1,382,000 |
| Pretax income | 577,000 | 971,000 | 1,231,000 | 1,594,000 |
| Income tax | -462,000 | -407,000 | -408,000 | 402,000 |
| Net income | 1,039,000 | 1,378,000 | 1,639,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,813,000 | 25,993,000 | 26,111,000 | 25,183,000 |
| Total capital | 28,153,000 | 28,516,000 | 28,845,000 | 27,904,000 |
| Risk-weighted assets | 212,229,000 | 215,411,000 | 218,699,000 | 216,991,000 |