Call reports 2003
BERGEN COMMERCIAL BANK — 2003
What BERGEN COMMERCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 212,055,000 | 226,459,000 | 229,528,000 | 226,723,000 |
| Total loans | 134,882,000 | 151,567,000 | 163,434,000 | 172,927,000 |
| Allowance for loan losses | 2,213,000 | 2,289,000 | 2,366,000 | 2,443,000 |
| Securities available for sale | 32,063,000 | 36,077,000 | 33,027,000 | 23,451,000 |
| Securities held to maturity | 5,189,000 | 3,081,000 | 3,063,000 | 2,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,463,000 | 174,439,000 | 176,697,000 | 173,308,000 |
| Interest-bearing deposits | 118,252,000 | 120,318,000 | 118,133,000 | 119,759,000 |
| Noninterest-bearing deposits | 49,212,000 | 54,121,000 | 58,563,000 | 53,548,000 |
| Equity capital | 15,344,000 | 16,714,000 | 17,409,000 | 18,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,849,000 | 5,633,000 | 8,442,000 | 11,338,000 |
| Interest expense | 769,000 | 1,486,000 | 2,163,000 | 2,823,000 |
| Net interest income | 2,080,000 | 4,147,000 | 6,279,000 | 8,515,000 |
| Noninterest income | 431,000 | 896,000 | 1,399,000 | 1,901,000 |
| Noninterest expense | 1,446,000 | 2,942,000 | 4,336,000 | 5,812,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 275,000 |
| Pretax income | 990,000 | 1,951,000 | 3,142,000 | 4,384,000 |
| Income tax | 304,000 | 601,000 | 993,000 | 1,395,000 |
| Net income | 686,000 | 1,350,000 | 2,149,000 | 2,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,637,000 | 15,001,000 | 15,800,000 | 16,639,000 |
| Total capital | 15,580,000 | 17,128,000 | 18,043,000 | 18,979,000 |
| Risk-weighted assets | 155,187,000 | 170,022,000 | 179,278,000 | 187,063,000 |