Call reports 2008
COMMUNITY BANK OF THE BAY — 2008
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,697,000 | 66,664,000 | 68,610,000 | 68,277,000 |
| Total loans | 45,887,000 | 44,244,000 | 41,021,000 | 41,666,000 |
| Allowance for loan losses | 1,100,000 | 1,105,000 | 1,044,000 | 1,382,000 |
| Securities available for sale | 11,655,000 | 12,447,000 | 11,990,000 | 11,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,566,000 | 53,644,000 | 57,054,000 | 57,466,000 |
| Interest-bearing deposits | 41,554,000 | 41,607,000 | 44,477,000 | 38,681,000 |
| Noninterest-bearing deposits | 12,012,000 | 12,037,000 | 12,577,000 | 18,785,000 |
| Equity capital | 9,065,000 | 8,897,000 | 7,386,000 | 6,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,003,000 | 2,010,000 | 2,860,000 | 3,705,000 |
| Interest expense | 391,000 | 758,000 | 1,118,000 | 1,448,000 |
| Net interest income | 612,000 | 1,252,000 | 1,742,000 | 2,257,000 |
| Noninterest income | 79,000 | 166,000 | 342,000 | 639,000 |
| Noninterest expense | 689,000 | 1,484,000 | 2,327,000 | 3,216,000 |
| Provision for loan losses | 217,000 | 217,000 | 935,000 | 1,525,000 |
| Pretax income | -215,000 | -283,000 | -2,091,000 | -2,758,000 |
| Income tax | 0 | 0 | -247,000 | -247,000 |
| Net income | -215,000 | -283,000 | -1,844,000 | -2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,045,000 | 8,955,000 | 7,427,000 | 6,648,000 |
| Total capital | 9,805,000 | 9,711,000 | 8,117,000 | 7,307,000 |
| Risk-weighted assets | 63,936,000 | 63,136,000 | 58,252,000 | 54,597,000 |