Call reports 2025
COMMUNITY BANK OF SANTA MARIA — 2025
What COMMUNITY BANK OF SANTA MARIA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 401,926,000 | 417,640,000 | 413,786,000 | 428,747,000 |
| Total loans | 262,461,000 | 285,622,000 | 289,194,000 | 288,128,000 |
| Allowance for loan losses | 2,619,000 | 2,854,000 | 2,893,000 | 2,893,000 |
| Securities available for sale | 111,800,000 | 107,743,000 | 104,149,000 | 96,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,061,000 | 367,002,000 | 368,927,000 | 384,540,000 |
| Interest-bearing deposits | 225,272,000 | 220,910,000 | 223,086,000 | 225,550,000 |
| Noninterest-bearing deposits | 135,789,000 | 146,092,000 | 145,841,000 | 158,990,000 |
| Equity capital | 38,363,000 | 37,866,000 | 39,902,000 | 41,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,524,000 | 9,312,000 | 14,383,000 | 19,528,000 |
| Interest expense | 768,000 | 1,611,000 | 2,452,000 | 3,245,000 |
| Net interest income | 3,756,000 | 7,701,000 | 11,931,000 | 16,283,000 |
| Noninterest income | 300,000 | 899,000 | 1,181,000 | 1,469,000 |
| Noninterest expense | 2,857,000 | 5,665,000 | 8,596,000 | 11,676,000 |
| Provision for loan losses | 54,000 | 286,000 | 325,000 | 325,000 |
| Pretax income | 1,140,000 | 2,648,000 | 4,177,000 | 5,740,000 |
| Income tax | 276,000 | 654,000 | 1,042,000 | 1,436,000 |
| Net income | 864,000 | 1,994,000 | 3,135,000 | 4,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,477,000 | 43,950,000 | 44,360,000 | 45,555,000 |
| Total capital | 47,279,000 | 46,987,000 | 47,436,000 | 48,631,000 |
| Risk-weighted assets | 293,799,000 | 310,039,000 | 310,864,000 | 312,588,000 |