Call reports 2004
COMMUNITY BANK OF THE BAY — 2004
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,142,000 | 38,087,000 | 36,978,000 | 40,599,000 |
| Total loans | 18,861,000 | 19,622,000 | 23,457,000 | 25,308,000 |
| Allowance for loan losses | 1,298,000 | 1,109,000 | 1,121,000 | 1,034,000 |
| Securities available for sale | 11,768,000 | 12,863,000 | 12,745,000 | 11,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,234,000 | 31,421,000 | 29,610,000 | 33,196,000 |
| Interest-bearing deposits | 27,515,000 | 24,049,000 | 23,984,000 | 26,927,000 |
| Noninterest-bearing deposits | 5,719,000 | 7,372,000 | 5,626,000 | 6,269,000 |
| Equity capital | 1,617,000 | 6,500,000 | 7,186,000 | 7,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 867,000 | 1,343,000 | 1,893,000 |
| Interest expense | 127,000 | 240,000 | 339,000 | 445,000 |
| Net interest income | 294,000 | 627,000 | 1,004,000 | 1,448,000 |
| Noninterest income | 27,000 | 62,000 | 446,000 | 546,000 |
| Noninterest expense | 546,000 | 1,087,000 | 1,664,000 | 2,227,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -300,000 |
| Pretax income | -225,000 | -198,000 | -14,000 | 67,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -226,000 | -199,000 | -15,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,626,000 | 6,704,000 | 7,231,000 | 7,312,000 |
| Total capital | 1,869,000 | 6,968,000 | 7,529,000 | 7,640,000 |
| Risk-weighted assets | 18,358,000 | 20,246,000 | 23,038,000 | 25,565,000 |