Call reports 2016
COMMUNITY BANK OF SANTA MARIA — 2016
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 238,101,000 | 236,765,000 | 238,762,000 | 250,070,000 |
| Total loans | 127,124,000 | 130,699,000 | 130,347,000 | 132,373,000 |
| Allowance for loan losses | 1,797,000 | 1,789,000 | 1,821,000 | 1,827,000 |
| Securities available for sale | 89,143,000 | 79,426,000 | 85,923,000 | 86,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,887,000 | 213,909,000 | 215,631,000 | 227,444,000 |
| Interest-bearing deposits | 136,617,000 | 133,240,000 | 128,415,000 | 137,718,000 |
| Noninterest-bearing deposits | 79,270,000 | 80,669,000 | 87,216,000 | 89,726,000 |
| Equity capital | 21,496,000 | 22,050,000 | 22,199,000 | 21,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,171,000 | 4,397,000 | 6,631,000 | 8,947,000 |
| Interest expense | 75,000 | 147,000 | 217,000 | 288,000 |
| Net interest income | 2,096,000 | 4,250,000 | 6,414,000 | 8,659,000 |
| Noninterest income | 163,000 | 342,000 | 512,000 | 871,000 |
| Noninterest expense | 1,973,000 | 3,953,000 | 5,901,000 | 7,534,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 286,000 | 638,000 | 1,024,000 | 1,995,000 |
| Income tax | 103,000 | 234,000 | 381,000 | 768,000 |
| Net income | 183,000 | 404,000 | 643,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,397,000 | 21,633,000 | 21,886,000 | 22,486,000 |
| Total capital | 23,264,000 | 23,492,000 | 23,777,000 | 24,383,000 |
| Risk-weighted assets | 167,706,000 | 170,217,000 | 170,019,000 | 174,932,000 |