Call reports 2008
COMMUNITY BANK OF SANTA MARIA — 2008
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,366,000 | 128,176,000 | 127,835,000 | 136,323,000 |
| Total loans | 103,875,000 | 112,692,000 | 111,562,000 | 113,779,000 |
| Allowance for loan losses | 1,009,000 | 1,102,000 | 1,420,000 | 1,515,000 |
| Securities available for sale | 6,099,000 | 6,022,000 | 4,024,000 | 3,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,425,000 | 108,288,000 | 112,417,000 | 120,361,000 |
| Interest-bearing deposits | 83,597,000 | 81,432,000 | 82,927,000 | 86,199,000 |
| Noninterest-bearing deposits | 28,828,000 | 26,856,000 | 29,490,000 | 34,162,000 |
| Equity capital | 15,585,000 | 15,440,000 | 14,907,000 | 15,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,263,000 | 4,401,000 | 6,523,000 | 8,514,000 |
| Interest expense | 625,000 | 1,114,000 | 1,550,000 | 1,932,000 |
| Net interest income | 1,638,000 | 3,287,000 | 4,973,000 | 6,582,000 |
| Noninterest income | 120,000 | 276,000 | 401,000 | 512,000 |
| Noninterest expense | 1,475,000 | 2,894,000 | 4,185,000 | 5,309,000 |
| Provision for loan losses | 33,000 | 152,000 | 1,422,000 | 1,629,000 |
| Pretax income | 250,000 | 517,000 | -233,000 | 156,000 |
| Income tax | 101,000 | 206,000 | 0 | 51,000 |
| Net income | 149,000 | 311,000 | -233,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,527,000 | 15,427,000 | 14,893,000 | 15,654,000 |
| Total capital | 16,561,000 | 16,554,000 | 16,338,000 | 17,194,000 |
| Risk-weighted assets | 117,679,000 | 122,739,000 | 122,652,000 | 126,236,000 |
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