Call reports 2005
BERGEN COMMERCIAL BANK — 2005
What BERGEN COMMERCIAL 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 | 288,699,000 | 305,460,000 | 326,360,000 | 292,181,000 |
| Total loans | 215,956,000 | 221,715,000 | 230,240,000 | 227,178,000 |
| Allowance for loan losses | 2,759,000 | 2,819,000 | 2,920,000 | 3,047,000 |
| Securities available for sale | 13,151,000 | 13,211,000 | 12,168,000 | 10,009,000 |
| Securities held to maturity | 17,456,000 | 22,464,000 | 22,472,000 | 23,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,687,000 | 248,156,000 | 266,513,000 | 233,964,000 |
| Interest-bearing deposits | 160,878,000 | 180,065,000 | 200,758,000 | 167,166,000 |
| Noninterest-bearing deposits | 62,809,000 | 68,091,000 | 65,755,000 | 66,798,000 |
| Equity capital | 24,492,000 | 25,511,000 | 26,079,000 | 26,745,000 |
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 | 3,696,000 | 7,734,000 | 12,256,000 | 16,728,000 |
| Interest expense | 987,000 | 2,150,000 | 3,454,000 | 4,809,000 |
| Net interest income | 2,709,000 | 5,584,000 | 8,802,000 | 11,919,000 |
| Noninterest income | 440,000 | 866,000 | 1,278,000 | 1,677,000 |
| Noninterest expense | 1,712,000 | 3,502,000 | 5,298,000 | 6,922,000 |
| Provision for loan losses | 40,000 | 100,000 | 200,000 | 355,000 |
| Pretax income | 1,397,000 | 2,848,000 | 4,582,000 | 6,319,000 |
| Income tax | 471,000 | 966,000 | 1,575,000 | 2,138,000 |
| Net income | 926,000 | 1,882,000 | 3,007,000 | 4,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,105,000 | 24,061,000 | 24,686,000 | 25,359,000 |
| Total capital | 25,864,000 | 26,880,000 | 27,606,000 | 28,370,000 |
| Risk-weighted assets | 232,017,000 | 238,612,000 | 247,624,000 | 240,842,000 |