Call reports 2005
COMMUNITY BANK OF THE BAY — 2005
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 44,800,000 | 46,795,000 | 50,584,000 | 55,048,000 |
| Total loans | 25,108,000 | 29,916,000 | 31,474,000 | 34,686,000 |
| Allowance for loan losses | 1,040,000 | 874,000 | 948,000 | 948,000 |
| Securities available for sale | 11,419,000 | 11,847,000 | 11,188,000 | 10,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,274,000 | 36,935,000 | 40,211,000 | 44,487,000 |
| Interest-bearing deposits | 29,338,000 | 29,412,000 | 33,842,000 | 36,538,000 |
| Noninterest-bearing deposits | 6,936,000 | 7,523,000 | 6,369,000 | 7,949,000 |
| Equity capital | 7,084,000 | 7,339,000 | 7,376,000 | 7,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,262,000 | 2,059,000 | 2,964,000 |
| Interest expense | 131,000 | 286,000 | 493,000 | 747,000 |
| Net interest income | 461,000 | 976,000 | 1,566,000 | 2,217,000 |
| Noninterest income | 50,000 | 135,000 | 215,000 | 386,000 |
| Noninterest expense | 569,000 | 1,188,000 | 1,809,000 | 2,392,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -200,000 |
| Pretax income | -58,000 | 123,000 | 172,000 | 405,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -59,000 | 122,000 | 171,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,253,000 | 7,434,000 | 7,504,000 | 7,750,000 |
| Total capital | 7,594,000 | 7,821,000 | 7,923,000 | 8,215,000 |
| Risk-weighted assets | 26,564,000 | 30,491,000 | 32,954,000 | 36,684,000 |