Call reports 2004
NEWBRIDGE BANK — 2004
What NEWBRIDGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 876,591,000 | 899,376,000 | 911,223,000 | 914,244,000 |
| Total loans | 678,980,000 | 687,736,000 | 701,961,000 | 712,185,000 |
| Allowance for loan losses | 8,224,000 | 8,112,000 | 8,006,000 | 7,962,000 |
| Securities available for sale | 92,532,000 | 88,923,000 | 95,383,000 | 94,646,000 |
| Securities held to maturity | 27,891,000 | 30,740,000 | 28,541,000 | 28,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,550,000 | 716,611,000 | 733,983,000 | 723,931,000 |
| Interest-bearing deposits | 616,280,000 | 625,331,000 | 640,179,000 | 633,470,000 |
| Noninterest-bearing deposits | 85,270,000 | 91,280,000 | 93,804,000 | 90,461,000 |
| Equity capital | 88,572,000 | 88,163,000 | 89,221,000 | 89,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 11,890,000 | 23,958,000 | 36,361,000 | 49,318,000 |
| Interest expense | 2,457,000 | 4,877,000 | 7,492,000 | 10,367,000 |
| Net interest income | 9,433,000 | 19,081,000 | 28,869,000 | 38,951,000 |
| Noninterest income | 3,356,000 | 7,245,000 | 10,784,000 | 14,063,000 |
| Noninterest expense | 9,036,000 | 18,442,000 | 27,974,000 | 37,479,000 |
| Provision for loan losses | 511,000 | 1,292,000 | 2,396,000 | 3,017,000 |
| Pretax income | 3,242,000 | 6,592,000 | 9,283,000 | 12,518,000 |
| Income tax | 1,022,000 | 2,073,000 | 2,866,000 | 3,931,000 |
| Net income | 2,220,000 | 4,519,000 | 6,417,000 | 8,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,933,000 | 87,826,000 | 88,363,000 | 89,172,000 |
| Total capital | 95,157,000 | 95,938,000 | 96,369,000 | 97,134,000 |
| Risk-weighted assets | 709,689,000 | 722,469,000 | 758,465,000 | 760,576,000 |