Call reports 2015
COMMUNITY BANK OF SANTA MARIA — 2015
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 211,269,000 | 216,007,000 | 220,251,000 | 236,836,000 |
| Total loans | 117,742,000 | 112,660,000 | 115,933,000 | 120,583,000 |
| Allowance for loan losses | 1,955,000 | 1,960,000 | 1,965,000 | 1,792,000 |
| Securities available for sale | 73,119,000 | 74,230,000 | 77,424,000 | 86,997,000 |
| Securities held to maturity | 117,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,898,000 | 194,596,000 | 198,237,000 | 215,217,000 |
| Interest-bearing deposits | 125,128,000 | 121,781,000 | 125,157,000 | 134,462,000 |
| Noninterest-bearing deposits | 64,770,000 | 72,815,000 | 73,081,000 | 80,755,000 |
| Equity capital | 20,717,000 | 20,649,000 | 21,094,000 | 20,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,055,000 | 4,052,000 | 6,055,000 | 8,131,000 |
| Interest expense | 72,000 | 143,000 | 213,000 | 285,000 |
| Net interest income | 1,983,000 | 3,909,000 | 5,842,000 | 7,846,000 |
| Noninterest income | 156,000 | 359,000 | 553,000 | 701,000 |
| Noninterest expense | 1,722,000 | 3,530,000 | 5,408,000 | 7,336,000 |
| Provision for loan losses | -187,000 | -187,000 | -227,000 | -402,000 |
| Pretax income | 604,000 | 925,000 | 1,214,000 | 1,613,000 |
| Income tax | 231,000 | 347,000 | 452,000 | 602,000 |
| Net income | 373,000 | 578,000 | 762,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,519,000 | 20,739,000 | 20,937,000 | 21,200,000 |
| Total capital | 22,432,000 | 22,665,000 | 22,891,000 | 23,062,000 |
| Risk-weighted assets | 152,918,000 | 153,966,000 | 156,241,000 | 163,047,000 |