Call reports 2005
NEWBRIDGE BANK — 2005
What NEWBRIDGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 951,539,000 | 988,634,000 | 991,164,000 | 975,158,000 |
| Total loans | 744,153,000 | 767,281,000 | 763,211,000 | 755,398,000 |
| Allowance for loan losses | 8,145,000 | 8,466,000 | 8,684,000 | 8,440,000 |
| Securities available for sale | 93,079,000 | 95,996,000 | 97,541,000 | 96,519,000 |
| Securities held to maturity | 29,300,000 | 29,392,000 | 27,432,000 | 27,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 764,897,000 | 790,855,000 | 817,959,000 | 822,326,000 |
| Interest-bearing deposits | 660,535,000 | 666,613,000 | 690,340,000 | 690,658,000 |
| Noninterest-bearing deposits | 104,362,000 | 124,242,000 | 127,619,000 | 131,668,000 |
| Equity capital | 89,497,000 | 91,114,000 | 91,987,000 | 92,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 13,660,000 | 28,598,000 | 44,377,000 | 60,380,000 |
| Interest expense | 3,330,000 | 7,239,000 | 11,812,000 | 16,727,000 |
| Net interest income | 10,330,000 | 21,359,000 | 32,565,000 | 43,653,000 |
| Noninterest income | 3,262,000 | 6,743,000 | 10,142,000 | 13,792,000 |
| Noninterest expense | 9,691,000 | 19,402,000 | 29,411,000 | 39,440,000 |
| Provision for loan losses | 539,000 | 1,599,000 | 2,314,000 | 3,219,000 |
| Pretax income | 3,362,000 | 7,101,000 | 10,982,000 | 14,786,000 |
| Income tax | 1,081,000 | 2,316,000 | 3,617,000 | 4,865,000 |
| Net income | 2,281,000 | 4,785,000 | 7,365,000 | 9,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,011,000 | 91,068,000 | 92,199,000 | 93,306,000 |
| Total capital | 98,156,000 | 99,534,000 | 100,883,000 | 101,746,000 |
| Risk-weighted assets | 792,239,000 | 827,525,000 | 822,133,000 | 815,382,000 |