Call reports 2012
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2012
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 310,668,000 | 307,139,000 | 302,573,000 | 305,842,000 |
| Total loans | 216,503,000 | 215,012,000 | 215,163,000 | 214,756,000 |
| Allowance for loan losses | 2,700,000 | 2,977,000 | 3,360,000 | 3,220,000 |
| Securities available for sale | 23,111,000 | 21,059,000 | 17,055,000 | 19,522,000 |
| Securities held to maturity | 35,833,000 | 34,479,000 | 32,804,000 | 34,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,553,000 | 279,069,000 | 274,493,000 | 278,038,000 |
| Interest-bearing deposits | 234,234,000 | 229,588,000 | 226,020,000 | 225,989,000 |
| Noninterest-bearing deposits | 48,319,000 | 49,481,000 | 48,473,000 | 52,049,000 |
| Equity capital | 25,801,000 | 25,894,000 | 25,959,000 | 26,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,430,000 | 6,855,000 | 10,239,000 | 13,447,000 |
| Interest expense | 798,000 | 1,526,000 | 2,234,000 | 2,903,000 |
| Net interest income | 2,632,000 | 5,329,000 | 8,005,000 | 10,544,000 |
| Noninterest income | 207,000 | 452,000 | 726,000 | 936,000 |
| Noninterest expense | 2,228,000 | 4,477,000 | 6,514,000 | 8,627,000 |
| Provision for loan losses | 450,000 | 1,050,000 | 1,951,000 | 2,681,000 |
| Pretax income | 161,000 | 273,000 | 285,000 | 192,000 |
| Income tax | -27,000 | -67,000 | -146,000 | -229,000 |
| Net income | 188,000 | 340,000 | 431,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,601,000 | 25,640,000 | 25,688,000 | 25,825,000 |
| Total capital | 28,268,000 | 28,322,000 | 28,383,000 | 28,520,000 |
| Risk-weighted assets | 213,290,000 | 214,252,000 | 214,901,000 | 215,080,000 |