Call reports 2001
BERGEN COMMERCIAL BANK — 2001
What BERGEN COMMERCIAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 161,233,000 | 177,177,000 | 181,450,000 | 184,149,000 |
| Total loans | 100,690,000 | 108,934,000 | 113,079,000 | 119,328,000 |
| Allowance for loan losses | 1,603,000 | 1,680,000 | 1,752,000 | 1,761,000 |
| Securities available for sale | 28,627,000 | 32,356,000 | 34,143,000 | 32,663,000 |
| Securities held to maturity | 1,557,000 | 1,487,000 | 1,370,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,139,000 | 135,591,000 | 137,683,000 | 139,976,000 |
| Interest-bearing deposits | 86,367,000 | 95,500,000 | 98,448,000 | 98,562,000 |
| Noninterest-bearing deposits | 33,772,000 | 40,091,000 | 39,235,000 | 41,414,000 |
| Equity capital | 12,514,000 | 12,557,000 | 12,961,000 | 13,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,805,000 | 5,709,000 | 8,610,000 | 11,465,000 |
| Interest expense | 1,272,000 | 2,526,000 | 3,714,000 | 4,743,000 |
| Net interest income | 1,533,000 | 3,183,000 | 4,896,000 | 6,722,000 |
| Noninterest income | 378,000 | 793,000 | 1,208,000 | 1,623,000 |
| Noninterest expense | 1,227,000 | 2,485,000 | 3,763,000 | 5,062,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 610,000 | 1,353,000 | 2,128,000 | 2,995,000 |
| Income tax | 181,000 | 420,000 | 674,000 | 970,000 |
| Net income | 429,000 | 933,000 | 1,454,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,909,000 | 11,004,000 | 11,195,000 | 11,786,000 |
| Total capital | 12,345,000 | 12,539,000 | 12,775,000 | 13,433,000 |
| Risk-weighted assets | 114,714,000 | 122,643,000 | 126,210,000 | 131,658,000 |