Call reports 2009
COMMUNITY BANK OF THE BAY — 2009
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 71,983,000 | 66,766,000 | 71,089,000 | 83,743,000 |
| Total loans | 42,731,000 | 45,791,000 | 50,527,000 | 58,501,000 |
| Allowance for loan losses | 989,000 | 1,188,000 | 1,237,000 | 1,258,000 |
| Securities available for sale | 9,645,000 | 10,462,000 | 10,162,000 | 8,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,156,000 | 57,333,000 | 60,166,000 | 72,994,000 |
| Interest-bearing deposits | 39,291,000 | 39,982,000 | 45,108,000 | 54,448,000 |
| Noninterest-bearing deposits | 22,865,000 | 17,351,000 | 15,058,000 | 18,546,000 |
| Equity capital | 8,207,000 | 6,217,000 | 6,063,000 | 5,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,570,000 | 2,530,000 | 3,536,000 |
| Interest expense | 227,000 | 404,000 | 591,000 | 777,000 |
| Net interest income | 525,000 | 1,166,000 | 1,939,000 | 2,759,000 |
| Noninterest income | 72,000 | 165,000 | 840,000 | 1,165,000 |
| Noninterest expense | 877,000 | 1,826,000 | 3,279,000 | 4,540,000 |
| Provision for loan losses | 0 | 1,837,000 | 2,066,000 | 2,116,000 |
| Pretax income | -280,000 | -2,332,000 | -2,566,000 | -2,671,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -280,000 | -2,332,000 | -2,566,000 | -2,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,123,000 | 6,070,000 | 5,865,000 | 5,766,000 |
| Total capital | 8,810,000 | 6,803,000 | 6,668,000 | 6,561,000 |
| Risk-weighted assets | 54,665,000 | 59,936,000 | 63,840,000 | 64,116,000 |