Call reports 2002
BERGEN COMMERCIAL BANK — 2002
What BERGEN COMMERCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 188,502,000 | 202,724,000 | 206,716,000 | 201,812,000 |
| Total loans | 121,323,000 | 126,467,000 | 129,900,000 | 134,649,000 |
| Allowance for loan losses | 1,839,000 | 1,914,000 | 2,018,000 | 2,137,000 |
| Securities available for sale | 34,234,000 | 32,852,000 | 33,774,000 | 34,418,000 |
| Securities held to maturity | 1,080,000 | 3,178,000 | 3,178,000 | 5,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,124,000 | 162,328,000 | 161,748,000 | 157,224,000 |
| Interest-bearing deposits | 100,294,000 | 109,371,000 | 111,504,000 | 110,264,000 |
| Noninterest-bearing deposits | 45,830,000 | 52,957,000 | 50,244,000 | 46,960,000 |
| Equity capital | 13,642,000 | 14,220,000 | 14,901,000 | 15,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,773,000 | 5,742,000 | 8,716,000 | 11,521,000 |
| Interest expense | 884,000 | 1,739,000 | 2,626,000 | 3,502,000 |
| Net interest income | 1,889,000 | 4,003,000 | 6,090,000 | 8,019,000 |
| Noninterest income | 412,000 | 777,000 | 1,196,000 | 1,605,000 |
| Noninterest expense | 1,360,000 | 2,713,000 | 4,170,000 | 5,376,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 866,000 | 1,936,000 | 2,910,000 | 3,967,000 |
| Income tax | 258,000 | 594,000 | 893,000 | 1,229,000 |
| Net income | 608,000 | 1,342,000 | 2,017,000 | 2,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,109,000 | 12,433,000 | 13,109,000 | 13,388,000 |
| Total capital | 13,792,000 | 14,205,000 | 14,950,000 | 15,280,000 |
| Risk-weighted assets | 134,460,000 | 141,581,000 | 147,097,000 | 151,125,000 |