Call reports 2011
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2011
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 315,359,000 | 318,705,000 | 314,449,000 | 309,871,000 |
| Total loans | 221,887,000 | 221,940,000 | 219,352,000 | 219,872,000 |
| Allowance for loan losses | 2,848,000 | 3,141,000 | 2,889,000 | 2,941,000 |
| Securities available for sale | 15,104,000 | 18,691,000 | 18,673,000 | 21,139,000 |
| Securities held to maturity | 37,839,000 | 37,302,000 | 34,759,000 | 36,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,714,000 | 289,881,000 | 285,395,000 | 281,710,000 |
| Interest-bearing deposits | 239,383,000 | 241,046,000 | 237,133,000 | 235,904,000 |
| Noninterest-bearing deposits | 47,331,000 | 48,835,000 | 48,262,000 | 45,806,000 |
| Equity capital | 25,828,000 | 26,087,000 | 26,259,000 | 25,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,663,000 | 7,421,000 | 11,006,000 | 14,526,000 |
| Interest expense | 912,000 | 1,833,000 | 2,719,000 | 3,556,000 |
| Net interest income | 2,751,000 | 5,588,000 | 8,287,000 | 10,970,000 |
| Noninterest income | 174,000 | 386,000 | 595,000 | 711,000 |
| Noninterest expense | 2,377,000 | 4,527,000 | 6,768,000 | 9,065,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,025,000 | 2,005,000 |
| Pretax income | 248,000 | 647,000 | 1,089,000 | 611,000 |
| Income tax | 0 | 40,000 | 146,000 | -212,000 |
| Net income | 248,000 | 607,000 | 943,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,280,000 | 25,539,000 | 25,727,000 | 25,592,000 |
| Total capital | 27,968,000 | 28,256,000 | 28,463,000 | 28,322,000 |
| Risk-weighted assets | 214,850,000 | 216,930,000 | 218,755,000 | 218,187,000 |