Call reports 2023
COMMUNITY BANK OF SANTA MARIA — 2023
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 405,992,000 | 405,399,000 | 392,525,000 | 391,681,000 |
| Total loans | 217,523,000 | 228,937,000 | 230,820,000 | 238,664,000 |
| Allowance for loan losses | 2,580,000 | 2,469,000 | 2,471,000 | 2,473,000 |
| Securities available for sale | 141,084,000 | 132,403,000 | 125,223,000 | 126,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,471,000 | 373,635,000 | 361,749,000 | 356,297,000 |
| Interest-bearing deposits | 222,651,000 | 214,104,000 | 218,282,000 | 212,597,000 |
| Noninterest-bearing deposits | 150,820,000 | 159,530,000 | 143,467,000 | 143,700,000 |
| Equity capital | 29,836,000 | 28,798,000 | 27,576,000 | 32,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,934,000 | 7,764,000 | 11,806,000 | 16,038,000 |
| Interest expense | 215,000 | 565,000 | 1,019,000 | 1,531,000 |
| Net interest income | 3,719,000 | 7,199,000 | 10,787,000 | 14,507,000 |
| Noninterest income | 302,000 | 615,000 | 925,000 | 1,226,000 |
| Noninterest expense | 2,536,000 | 5,067,000 | 7,628,000 | 10,226,000 |
| Provision for loan losses | 0 | -113,000 | -113,000 | -113,000 |
| Pretax income | 1,509,000 | 2,785,000 | 4,127,000 | 5,492,000 |
| Income tax | 370,000 | 672,000 | 1,010,000 | 1,345,000 |
| Net income | 1,139,000 | 2,113,000 | 3,117,000 | 4,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,663,000 | 38,770,000 | 39,655,000 | 40,695,000 |
| Total capital | 41,312,000 | 41,421,000 | 42,308,000 | 43,351,000 |
| Risk-weighted assets | 259,737,000 | 275,774,000 | 265,954,000 | 267,493,000 |