Call reports 2012
COMMUNITY BANK OF THE BAY — 2012
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,019,000 | 156,209,000 | 148,555,000 | 155,086,000 |
| Total loans | 95,714,000 | 99,123,000 | 99,452,000 | 109,714,000 |
| Allowance for loan losses | 2,039,000 | 2,117,000 | 2,411,000 | 2,349,000 |
| Securities available for sale | 7,922,000 | 7,570,000 | 8,174,000 | 8,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,434,000 | 132,118,000 | 124,595,000 | 130,955,000 |
| Interest-bearing deposits | 64,380,000 | 74,315,000 | 73,200,000 | 69,854,000 |
| Noninterest-bearing deposits | 46,054,000 | 57,803,000 | 51,395,000 | 61,101,000 |
| Equity capital | 15,468,000 | 15,818,000 | 15,827,000 | 16,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 3,083,000 | 4,645,000 | 6,245,000 |
| Interest expense | 118,000 | 219,000 | 329,000 | 435,000 |
| Net interest income | 1,354,000 | 2,864,000 | 4,316,000 | 5,810,000 |
| Noninterest income | 357,000 | 561,000 | 818,000 | 2,062,000 |
| Noninterest expense | 1,306,000 | 2,626,000 | 4,060,000 | 5,977,000 |
| Provision for loan losses | 149,000 | 428,000 | 696,000 | 726,000 |
| Pretax income | 256,000 | 494,000 | 598,000 | 1,389,000 |
| Income tax | 0 | 0 | 0 | -1,000 |
| Net income | 256,000 | 494,000 | 598,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,366,000 | 15,659,000 | 15,786,000 | 16,682,000 |
| Total capital | 16,607,000 | 16,947,000 | 17,141,000 | 18,039,000 |
| Risk-weighted assets | 98,315,000 | 102,698,000 | 107,020,000 | 107,959,000 |