Call reports 2013
COMMUNITY BANK OF THE BAY — 2013
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 163,204,000 | 170,458,000 | 173,326,000 | 174,986,000 |
| Total loans | 110,905,000 | 118,926,000 | 128,659,000 | 127,341,000 |
| Allowance for loan losses | 2,333,000 | 2,346,000 | 2,544,000 | 2,397,000 |
| Securities available for sale | 8,553,000 | 8,838,000 | 9,758,000 | 9,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,129,000 | 148,166,000 | 150,532,000 | 150,589,000 |
| Interest-bearing deposits | 75,847,000 | 78,484,000 | 90,392,000 | 98,130,000 |
| Noninterest-bearing deposits | 63,282,000 | 69,682,000 | 60,140,000 | 52,459,000 |
| Equity capital | 17,675,000 | 17,939,000 | 18,367,000 | 19,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,645,000 | 3,347,000 | 5,256,000 | 7,119,000 |
| Interest expense | 104,000 | 221,000 | 343,000 | 488,000 |
| Net interest income | 1,541,000 | 3,126,000 | 4,913,000 | 6,631,000 |
| Noninterest income | 325,000 | 583,000 | 1,039,000 | 1,510,000 |
| Noninterest expense | 1,648,000 | 3,272,000 | 5,011,000 | 6,708,000 |
| Provision for loan losses | 0 | 0 | 185,000 | 225,000 |
| Pretax income | 218,000 | 461,000 | 780,000 | 1,232,000 |
| Income tax | -625,000 | -715,000 | -777,000 | -800,000 |
| Net income | 843,000 | 1,176,000 | 1,557,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,573,000 | 17,944,000 | 18,374,000 | 19,052,000 |
| Total capital | 18,985,000 | 19,456,000 | 20,003,000 | 20,745,000 |
| Risk-weighted assets | 112,028,000 | 120,152,000 | 129,387,000 | 134,661,000 |