Call reports 2020
COMMUNITY BANK OF SANTA MARIA — 2020
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 261,776,000 | 330,779,000 | 327,457,000 | 338,602,000 |
| Total loans | 180,296,000 | 233,620,000 | 245,334,000 | 238,985,000 |
| Allowance for loan losses | 2,040,000 | 2,040,000 | 2,104,000 | 2,382,000 |
| Securities available for sale | 52,886,000 | 52,872,000 | 48,938,000 | 53,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,156,000 | 290,492,000 | 296,783,000 | 307,811,000 |
| Interest-bearing deposits | 136,738,000 | 156,607,000 | 165,006,000 | 169,325,000 |
| Noninterest-bearing deposits | 95,418,000 | 133,885,000 | 131,777,000 | 138,486,000 |
| Equity capital | 28,307,000 | 28,541,000 | 29,158,000 | 29,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,897,000 | 5,812,000 | 8,822,000 | 12,195,000 |
| Interest expense | 128,000 | 255,000 | 370,000 | 481,000 |
| Net interest income | 2,769,000 | 5,557,000 | 8,452,000 | 11,714,000 |
| Noninterest income | 214,000 | 402,000 | 648,000 | 864,000 |
| Noninterest expense | 2,068,000 | 4,328,000 | 6,497,000 | 8,934,000 |
| Provision for loan losses | 0 | 40,000 | 100,000 | 390,000 |
| Pretax income | 901,000 | 1,581,000 | 2,493,000 | 3,250,000 |
| Income tax | 254,000 | 442,000 | 698,000 | 910,000 |
| Net income | 647,000 | 1,139,000 | 1,795,000 | 2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,885,000 | 27,955,000 | 28,643,000 | 29,226,000 |