Call reports 2014
COMMUNITY BUSINESS BANK — 2014
What COMMUNITY BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 141,273,000 | 148,874,000 | 146,128,000 | 149,061,000 |
| Total loans | 90,820,000 | 99,532,000 | 100,627,000 | 98,013,000 |
| Allowance for loan losses | 1,470,000 | 1,504,000 | 1,553,000 | 1,551,000 |
| Securities available for sale | 15,747,000 | 15,702,000 | 15,497,000 | 13,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,670,000 | 118,662,000 | 117,995,000 | 122,244,000 |
| Interest-bearing deposits | 85,463,000 | 90,301,000 | 91,232,000 | 90,791,000 |
| Noninterest-bearing deposits | 26,207,000 | 28,361,000 | 26,763,000 | 31,453,000 |
| Equity capital | 18,555,000 | 18,851,000 | 19,127,000 | 19,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,212,000 | 2,524,000 | 3,889,000 | 5,274,000 |
| Interest expense | 174,000 | 364,000 | 545,000 | 725,000 |
| Net interest income | 1,038,000 | 2,160,000 | 3,344,000 | 4,549,000 |
| Noninterest income | 35,000 | 77,000 | 122,000 | 162,000 |
| Noninterest expense | 735,000 | 1,482,000 | 2,285,000 | 3,059,000 |
| Provision for loan losses | 16,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 322,000 | 705,000 | 1,131,000 | 1,602,000 |
| Income tax | 117,000 | 258,000 | 413,000 | 586,000 |
| Net income | 205,000 | 447,000 | 718,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,781,000 | 19,023,000 | 19,294,000 | 19,592,000 |
| Total capital | 20,006,000 | 20,317,000 | 20,585,000 | 20,864,000 |
| Risk-weighted assets | 97,762,000 | 103,273,000 | 102,984,000 | 101,496,000 |