Call reports 2004
BERGEN COMMERCIAL BANK — 2004
What BERGEN COMMERCIAL 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 | 250,452,000 | 258,380,000 | 262,184,000 | 263,967,000 |
| Total loans | 179,018,000 | 187,103,000 | 206,321,000 | 212,774,000 |
| Allowance for loan losses | 2,519,000 | 2,554,000 | 2,630,000 | 2,705,000 |
| Securities available for sale | 22,296,000 | 24,004,000 | 17,793,000 | 15,247,000 |
| Securities held to maturity | 3,635,000 | 3,635,000 | 8,122,000 | 10,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,632,000 | 208,496,000 | 210,225,000 | 200,273,000 |
| Interest-bearing deposits | 149,755,000 | 150,953,000 | 149,468,000 | 139,595,000 |
| Noninterest-bearing deposits | 51,876,000 | 57,543,000 | 60,757,000 | 60,678,000 |
| Equity capital | 18,964,000 | 20,450,000 | 22,447,000 | 23,654,000 |
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 | 2,952,000 | 6,034,000 | 9,352,000 | 12,786,000 |
| Interest expense | 727,000 | 1,529,000 | 2,352,000 | 3,222,000 |
| Net interest income | 2,225,000 | 4,505,000 | 7,000,000 | 9,564,000 |
| Noninterest income | 422,000 | 874,000 | 1,303,000 | 1,737,000 |
| Noninterest expense | 1,547,000 | 3,129,000 | 4,717,000 | 5,976,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,025,000 | 2,100,000 | 3,361,000 | 5,025,000 |
| Income tax | 318,000 | 660,000 | 1,077,000 | 1,486,000 |
| Net income | 707,000 | 1,440,000 | 2,284,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,347,000 | 19,080,000 | 20,924,000 | 22,178,000 |
| Total capital | 19,824,000 | 21,634,000 | 23,554,000 | 24,883,000 |
| Risk-weighted assets | 198,141,000 | 207,887,000 | 224,150,000 | 229,453,000 |