Call reports 2007
COMMUNITY BANK OF SANTA MARIA — 2007
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,319,000 | 125,891,000 | 124,223,000 | 131,806,000 |
| Total loans | 89,175,000 | 96,049,000 | 95,161,000 | 100,582,000 |
| Allowance for loan losses | 870,000 | 938,000 | 950,000 | 980,000 |
| Securities available for sale | 7,972,000 | 8,947,000 | 9,015,000 | 7,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,236,000 | 109,511,000 | 107,459,000 | 115,164,000 |
| Interest-bearing deposits | 75,570,000 | 79,200,000 | 79,193,000 | 85,657,000 |
| Noninterest-bearing deposits | 27,666,000 | 30,310,000 | 28,266,000 | 29,507,000 |
| Equity capital | 15,355,000 | 15,692,000 | 16,043,000 | 16,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,242,000 | 4,650,000 | 7,114,000 | 9,488,000 |
| Interest expense | 579,000 | 1,204,000 | 1,869,000 | 2,529,000 |
| Net interest income | 1,663,000 | 3,446,000 | 5,245,000 | 6,959,000 |
| Noninterest income | 144,000 | 281,000 | 404,000 | 519,000 |
| Noninterest expense | 1,243,000 | 2,620,000 | 4,020,000 | 5,414,000 |
| Provision for loan losses | 13,000 | 80,000 | 94,000 | 123,000 |
| Pretax income | 551,000 | 1,027,000 | 1,535,000 | 1,941,000 |
| Income tax | 225,000 | 403,000 | 618,000 | 787,000 |
| Net income | 326,000 | 624,000 | 917,000 | 1,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,368,000 | 15,722,000 | 16,033,000 | 16,328,000 |
| Total capital | 16,263,000 | 16,685,000 | 17,008,000 | 17,333,000 |
| Risk-weighted assets | 106,660,000 | 112,602,000 | 113,110,000 | 116,673,000 |
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