Call reports 2007
COMMUNITY BANK OF THE BAY — 2007
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 72,031,000 | 65,555,000 | 66,590,000 | 64,456,000 |
| Total loans | 41,193,000 | 44,085,000 | 46,792,000 | 44,414,000 |
| Allowance for loan losses | 903,000 | 903,000 | 957,000 | 829,000 |
| Securities available for sale | 9,675,000 | 12,023,000 | 10,574,000 | 9,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,254,000 | 52,238,000 | 53,077,000 | 50,872,000 |
| Interest-bearing deposits | 46,341,000 | 39,497,000 | 40,643,000 | 40,198,000 |
| Noninterest-bearing deposits | 12,913,000 | 12,741,000 | 12,434,000 | 10,674,000 |
| Equity capital | 8,500,000 | 8,905,000 | 9,052,000 | 9,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,538,000 | 3,606,000 | 4,650,000 |
| Interest expense | 423,000 | 832,000 | 1,238,000 | 1,644,000 |
| Net interest income | 825,000 | 1,706,000 | 2,368,000 | 3,006,000 |
| Noninterest income | 259,000 | 294,000 | 543,000 | 921,000 |
| Noninterest expense | 761,000 | 1,547,000 | 2,334,000 | 3,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 323,000 | 453,000 | 577,000 | 783,000 |
| Income tax | 114,000 | 159,000 | 196,000 | 266,000 |
| Net income | 209,000 | 294,000 | 381,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,632,000 | 9,040,000 | 9,128,000 | 9,209,000 |
| Total capital | 9,275,000 | 9,712,000 | 9,832,000 | 9,943,000 |
| Risk-weighted assets | 51,203,000 | 55,180,000 | 58,520,000 | 58,605,000 |