Call reports 2010
COMMUNITY BANK OF THE BAY — 2010
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 89,064,000 | 108,994,000 | 114,386,000 | 115,950,000 |
| Total loans | 65,474,000 | 70,866,000 | 78,529,000 | 84,203,000 |
| Allowance for loan losses | 1,451,000 | 1,767,000 | 1,941,000 | 2,092,000 |
| Securities available for sale | 7,666,000 | 7,102,000 | 5,817,000 | 8,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,471,000 | 86,888,000 | 90,251,000 | 90,831,000 |
| Interest-bearing deposits | 53,254,000 | 64,308,000 | 62,886,000 | 57,679,000 |
| Noninterest-bearing deposits | 18,217,000 | 22,580,000 | 27,365,000 | 33,152,000 |
| Equity capital | 11,300,000 | 12,014,000 | 14,657,000 | 14,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 966,000 | 2,073,000 | 3,222,000 | 4,470,000 |
| Interest expense | 171,000 | 371,000 | 582,000 | 775,000 |
| Net interest income | 795,000 | 1,702,000 | 2,640,000 | 3,695,000 |
| Noninterest income | 118,000 | 319,000 | 838,000 | 1,609,000 |
| Noninterest expense | 1,222,000 | 2,512,000 | 3,707,000 | 5,324,000 |
| Provision for loan losses | 173,000 | 582,000 | 751,000 | 1,011,000 |
| Pretax income | -482,000 | -1,073,000 | -980,000 | -891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -482,000 | -1,073,000 | -980,000 | -891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,190,000 | 11,904,000 | 14,649,000 | 14,759,000 |
| Total capital | 12,093,000 | 12,881,000 | 15,706,000 | 15,940,000 |
| Risk-weighted assets | 71,217,000 | 81,202,000 | 83,680,000 | 93,518,000 |