Call reports 2013
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2013
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 303,291,000 | 301,007,000 | 295,814,000 | 294,829,000 |
| Total loans | 210,018,000 | 199,373,000 | 200,753,000 | 201,262,000 |
| Allowance for loan losses | 3,512,000 | 3,640,000 | 3,717,000 | 3,824,000 |
| Securities available for sale | 18,022,000 | 22,164,000 | 19,732,000 | 22,603,000 |
| Securities held to maturity | 33,169,000 | 35,372,000 | 35,727,000 | 35,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,495,000 | 274,547,000 | 269,403,000 | 268,484,000 |
| Interest-bearing deposits | 223,013,000 | 222,778,000 | 216,643,000 | 215,887,000 |
| Noninterest-bearing deposits | 52,482,000 | 51,769,000 | 52,760,000 | 52,597,000 |
| Equity capital | 26,266,000 | 24,817,000 | 24,881,000 | 24,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,110,000 | 6,168,000 | 9,180,000 | 12,235,000 |
| Interest expense | 623,000 | 1,226,000 | 1,815,000 | 2,385,000 |
| Net interest income | 2,487,000 | 4,942,000 | 7,365,000 | 9,850,000 |
| Noninterest income | 263,000 | 228,000 | 452,000 | 694,000 |
| Noninterest expense | 2,166,000 | 4,371,000 | 6,576,000 | 8,910,000 |
| Provision for loan losses | 675,000 | 3,060,000 | 3,585,000 | 3,935,000 |
| Pretax income | -91,000 | -2,260,000 | -2,335,000 | -2,292,000 |
| Income tax | -110,000 | -992,000 | -1,092,000 | -1,180,000 |
| Net income | 19,000 | -1,268,000 | -1,243,000 | -1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,811,000 | 24,524,000 | 24,549,000 | 22,052,000 |
| Total capital | 28,453,000 | 27,049,000 | 27,101,000 | 24,549,000 |
| Risk-weighted assets | 210,459,000 | 200,855,000 | 202,968,000 | 198,433,000 |