Call reports 2015
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2015
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 301,481,000 | 306,353,000 | 329,188,000 | 326,259,000 |
| Total loans | 227,203,000 | 231,786,000 | 235,756,000 | 231,233,000 |
| Allowance for loan losses | 3,402,000 | 3,457,000 | 3,480,000 | 3,413,000 |
| Securities available for sale | 51,118,000 | 48,779,000 | 53,590,000 | 66,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,062,000 | 271,636,000 | 293,834,000 | 290,803,000 |
| Interest-bearing deposits | 215,491,000 | 216,067,000 | 238,447,000 | 236,395,000 |
| Noninterest-bearing deposits | 52,571,000 | 55,569,000 | 55,387,000 | 54,408,000 |
| Equity capital | 26,771,000 | 26,973,000 | 27,639,000 | 27,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,077,000 | 6,281,000 | 9,555,000 | 12,815,000 |
| Interest expense | 502,000 | 995,000 | 1,514,000 | 2,044,000 |
| Net interest income | 2,575,000 | 5,286,000 | 8,041,000 | 10,771,000 |
| Noninterest income | 138,000 | 311,000 | 478,000 | 514,000 |
| Noninterest expense | 2,149,000 | 4,372,000 | 6,516,000 | 8,547,000 |
| Provision for loan losses | 25,000 | 50,000 | 125,000 | 125,000 |
| Pretax income | 539,000 | 1,176,000 | 1,879,000 | 2,615,000 |
| Income tax | 155,000 | 344,000 | 556,000 | 784,000 |
| Net income | 384,000 | 832,000 | 1,323,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,995,000 | 24,483,000 | 25,126,000 | 25,806,000 |
| Total capital | 26,450,000 | 26,974,000 | 27,658,000 | 28,335,000 |
| Risk-weighted assets | 194,133,000 | 197,006,000 | 200,337,000 | 200,289,000 |