Call reports 2014
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2014
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 287,983,000 | 288,597,000 | 296,747,000 | 298,032,000 |
| Total loans | 201,099,000 | 209,755,000 | 216,359,000 | 222,738,000 |
| Allowance for loan losses | 3,839,000 | 3,567,000 | 3,637,000 | 3,458,000 |
| Securities available for sale | 49,657,000 | 51,808,000 | 51,290,000 | 52,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,159,000 | 258,661,000 | 262,318,000 | 267,236,000 |
| Interest-bearing deposits | 206,131,000 | 202,667,000 | 207,939,000 | 215,118,000 |
| Noninterest-bearing deposits | 55,028,000 | 55,994,000 | 54,379,000 | 52,118,000 |
| Equity capital | 25,283,000 | 25,419,000 | 25,846,000 | 26,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,949,000 | 5,974,000 | 9,145,000 | 12,298,000 |
| Interest expense | 511,000 | 971,000 | 1,444,000 | 1,954,000 |
| Net interest income | 2,438,000 | 5,003,000 | 7,701,000 | 10,344,000 |
| Noninterest income | 47,000 | -719,000 | -520,000 | -290,000 |
| Noninterest expense | 2,265,000 | 4,142,000 | 6,135,000 | 8,336,000 |
| Provision for loan losses | 225,000 | 225,000 | 425,000 | 525,000 |
| Pretax income | 243,000 | 166,000 | 870,000 | 1,441,000 |
| Income tax | 25,000 | -39,000 | 166,000 | 245,000 |
| Net income | 218,000 | 205,000 | 704,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,382,000 | 22,404,000 | 23,060,000 | 23,704,000 |
| Total capital | 24,813,000 | 24,837,000 | 25,539,000 | 26,219,000 |
| Risk-weighted assets | 193,064,000 | 193,520,000 | 197,132,000 | 200,267,000 |