Call reports 2014
COMMUNITY BANK OF SANTA MARIA — 2014
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 191,357,000 | 192,769,000 | 199,620,000 | 211,001,000 |
| Total loans | 108,938,000 | 111,677,000 | 117,235,000 | 117,535,000 |
| Allowance for loan losses | 2,033,000 | 1,974,000 | 1,941,000 | 1,950,000 |
| Securities available for sale | 66,051,000 | 62,730,000 | 63,483,000 | 77,737,000 |
| Securities held to maturity | 178,000 | 159,000 | 142,000 | 129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,425,000 | 172,229,000 | 178,770,000 | 190,214,000 |
| Interest-bearing deposits | 114,493,000 | 109,115,000 | 100,365,000 | 123,792,000 |
| Noninterest-bearing deposits | 56,932,000 | 63,114,000 | 78,405,000 | 66,422,000 |
| Equity capital | 19,212,000 | 19,691,000 | 19,962,000 | 20,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,698,000 | 5,641,000 | 7,663,000 |
| Interest expense | 82,000 | 161,000 | 237,000 | 312,000 |
| Net interest income | 1,754,000 | 3,537,000 | 5,404,000 | 7,351,000 |
| Noninterest income | 143,000 | 327,000 | 490,000 | 661,000 |
| Noninterest expense | 1,588,000 | 3,128,000 | 4,841,000 | 6,898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 736,000 | 1,053,000 | 1,114,000 |
| Income tax | 108,000 | 266,000 | 378,000 | 380,000 |
| Net income | 201,000 | 470,000 | 675,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,563,000 | 19,849,000 | 20,071,000 | 20,131,000 |
| Total capital | 21,348,000 | 21,629,000 | 21,926,000 | 22,005,000 |
| Risk-weighted assets | 142,483,000 | 142,170,000 | 148,210,000 | 149,796,000 |