Call reports 2006
COMMUNITY BANK OF THE BAY — 2006
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 56,546,000 | 66,524,000 | 64,286,000 | 68,147,000 |
| Total loans | 31,202,000 | 34,102,000 | 35,447,000 | 36,632,000 |
| Allowance for loan losses | 948,000 | 948,000 | 948,000 | 950,000 |
| Securities available for sale | 10,825,000 | 13,046,000 | 12,064,000 | 10,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,625,000 | 52,947,000 | 51,477,000 | 55,361,000 |
| Interest-bearing deposits | 36,438,000 | 38,797,000 | 38,556,000 | 42,096,000 |
| Noninterest-bearing deposits | 9,187,000 | 14,150,000 | 12,921,000 | 13,265,000 |
| Equity capital | 7,626,000 | 7,574,000 | 7,959,000 | 8,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,924,000 | 3,001,000 | 4,035,000 |
| Interest expense | 272,000 | 599,000 | 972,000 | 1,376,000 |
| Net interest income | 677,000 | 1,325,000 | 2,029,000 | 2,659,000 |
| Noninterest income | 94,000 | 179,000 | 799,000 | 909,000 |
| Noninterest expense | 662,000 | 1,401,000 | 2,229,000 | 2,966,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 114,000 | 109,000 | 605,000 | 608,000 |
| Income tax | 39,000 | 30,000 | 239,000 | 180,000 |
| Net income | 75,000 | 79,000 | 366,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,825,000 | 7,833,000 | 8,132,000 | 8,293,000 |
| Total capital | 8,245,000 | 8,388,000 | 8,713,000 | 8,881,000 |
| Risk-weighted assets | 33,071,000 | 44,012,000 | 46,087,000 | 46,686,000 |