Call reports 2003
COMMUNITY BANK OF THE BAY — 2003
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,901,000 | 42,521,000 | 37,523,000 | 37,299,000 |
| Total loans | 27,661,000 | 24,022,000 | 20,564,000 | 19,441,000 |
| Allowance for loan losses | 1,042,000 | 1,255,000 | 1,301,000 | 1,272,000 |
| Securities available for sale | 9,454,000 | 14,082,000 | 12,887,000 | 10,422,000 |
| Securities held to maturity | 982,000 | 0 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,047,000 | 39,786,000 | 35,118,000 | 35,121,000 |
| Interest-bearing deposits | 34,711,000 | 35,182,000 | 30,027,000 | 29,402,000 |
| Noninterest-bearing deposits | 4,336,000 | 4,604,000 | 5,091,000 | 5,719,000 |
| Equity capital | 2,534,000 | 2,431,000 | 2,133,000 | 1,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,149,000 | 1,596,000 | 1,984,000 |
| Interest expense | 225,000 | 410,000 | 576,000 | 711,000 |
| Net interest income | 358,000 | 739,000 | 1,020,000 | 1,273,000 |
| Noninterest income | 22,000 | 50,000 | 87,000 | 140,000 |
| Noninterest expense | 491,000 | 1,003,000 | 1,502,000 | 2,128,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -111,000 | -207,000 | -388,000 | -734,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -111,000 | -208,000 | -389,000 | -735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,477,000 | 2,379,000 | 2,198,000 | 1,852,000 |
| Total capital | 2,745,000 | 2,639,000 | 2,462,000 | 2,105,000 |
| Risk-weighted assets | 20,668,000 | 19,766,000 | 20,121,000 | 19,280,000 |