Call reports 2016
COMMUNITY BANK OF BERGEN COUNTY, N.J. — 2016
What COMMUNITY BANK OF BERGEN COUNTY, N.J. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 328,691,000 | 328,861,000 | 337,397,000 | 342,222,000 |
| Total loans | 235,933,000 | 228,997,000 | 230,834,000 | 229,267,000 |
| Allowance for loan losses | 3,086,000 | 3,090,000 | 3,027,000 | 3,130,000 |
| Securities available for sale | 65,425,000 | 66,576,000 | 68,234,000 | 79,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,401,000 | 291,759,000 | 301,869,000 | 307,905,000 |
| Interest-bearing deposits | 230,959,000 | 230,656,000 | 239,586,000 | 243,805,000 |
| Noninterest-bearing deposits | 59,442,000 | 61,103,000 | 62,283,000 | 64,100,000 |
| Equity capital | 28,651,000 | 29,358,000 | 29,791,000 | 28,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,232,000 | 6,456,000 | 9,540,000 | 12,692,000 |
| Interest expense | 489,000 | 974,000 | 1,446,000 | 1,937,000 |
| Net interest income | 2,743,000 | 5,482,000 | 8,094,000 | 10,755,000 |
| Noninterest income | 96,000 | 267,000 | 519,000 | 737,000 |
| Noninterest expense | 2,196,000 | 4,422,000 | 6,609,000 | 8,873,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 543,000 | 1,228,000 | 1,905,000 | 2,520,000 |
| Income tax | 142,000 | 353,000 | 561,000 | 856,000 |
| Net income | 401,000 | 875,000 | 1,344,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,015,000 | 27,489,000 | 27,958,000 | 28,625,000 |
| Total capital | 29,544,000 | 29,979,000 | 30,424,000 | 31,116,000 |
| Risk-weighted assets | 201,288,000 | 198,124,000 | 196,300,000 | 198,314,000 |