Call reports 2015
COMMUNITY BANK OF THE BAY — 2015
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 239,151,000 | 253,242,000 | 255,966,000 | 241,325,000 |
| Total loans | 176,741,000 | 179,008,000 | 191,351,000 | 199,746,000 |
| Allowance for loan losses | 2,838,000 | 3,000,000 | 3,129,000 | 3,488,000 |
| Securities available for sale | 4,482,000 | 4,172,000 | 3,974,000 | 3,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,884,000 | 226,786,000 | 232,641,000 | 217,970,000 |
| Interest-bearing deposits | 143,981,000 | 145,472,000 | 151,226,000 | 145,580,000 |
| Noninterest-bearing deposits | 68,903,000 | 81,314,000 | 81,415,000 | 72,390,000 |
| Equity capital | 21,543,000 | 21,896,000 | 22,466,000 | 22,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,512,000 | 5,147,000 | 7,738,000 | 10,430,000 |
| Interest expense | 189,000 | 395,000 | 594,000 | 793,000 |
| Net interest income | 2,323,000 | 4,752,000 | 7,144,000 | 9,637,000 |
| Noninterest income | 540,000 | 874,000 | 1,335,000 | 1,960,000 |
| Noninterest expense | 1,935,000 | 3,977,000 | 6,015,000 | 8,166,000 |
| Provision for loan losses | 200,000 | 350,000 | 400,000 | 1,250,000 |
| Pretax income | 768,000 | 1,339,000 | 2,104,000 | 2,221,000 |
| Income tax | 309,000 | 540,000 | 859,000 | 889,000 |
| Net income | 459,000 | 799,000 | 1,245,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,269,000 | 21,733,000 | 22,332,000 | 22,360,000 |
| Total capital | 23,611,000 | 24,238,000 | 24,993,000 | 25,158,000 |
| Risk-weighted assets | 186,643,000 | 199,839,000 | 212,348,000 | 223,080,000 |