Call reports 2014
COMMUNITY BANK OF THE BAY — 2014
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 193,288,000 | 191,403,000 | 192,017,000 | 224,571,000 |
| Total loans | 129,901,000 | 145,035,000 | 152,796,000 | 174,911,000 |
| Allowance for loan losses | 2,504,000 | 2,539,000 | 2,562,000 | 2,783,000 |
| Securities available for sale | 10,175,000 | 9,288,000 | 8,749,000 | 7,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,346,000 | 169,434,000 | 166,868,000 | 198,821,000 |
| Interest-bearing deposits | 109,223,000 | 110,559,000 | 112,551,000 | 140,857,000 |
| Noninterest-bearing deposits | 60,123,000 | 58,875,000 | 54,317,000 | 57,964,000 |
| Equity capital | 19,450,000 | 19,887,000 | 20,516,000 | 21,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,956,000 | 3,939,000 | 6,160,000 | 8,563,000 |
| Interest expense | 172,000 | 352,000 | 520,000 | 692,000 |
| Net interest income | 1,784,000 | 3,587,000 | 5,640,000 | 7,871,000 |
| Noninterest income | 372,000 | 717,000 | 1,307,000 | 1,716,000 |
| Noninterest expense | 1,661,000 | 3,429,000 | 5,179,000 | 7,028,000 |
| Provision for loan losses | 50,000 | 100,000 | 200,000 | 400,000 |
| Pretax income | 445,000 | 795,000 | 1,588,000 | 2,207,000 |
| Income tax | 90,000 | 161,000 | 322,000 | 500,000 |
| Net income | 355,000 | 634,000 | 1,266,000 | 1,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,444,000 | 19,841,000 | 20,508,000 | 20,985,000 |
| Total capital | 21,186,000 | 21,754,000 | 22,571,000 | 23,331,000 |
| Risk-weighted assets | 138,608,000 | 152,354,000 | 164,474,000 | 187,157,000 |