Call reports 2016
COMMUNITY BANK OF THE BAY — 2016
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 247,663,000 | 259,045,000 | 259,755,000 | 249,336,000 |
| Total loans | 194,593,000 | 198,057,000 | 197,352,000 | 186,498,000 |
| Allowance for loan losses | 3,308,000 | 3,235,000 | 3,188,000 | 3,174,000 |
| Securities available for sale | 4,249,000 | 3,179,000 | 2,546,000 | 3,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,044,000 | 234,237,000 | 234,225,000 | 223,433,000 |
| Interest-bearing deposits | 142,808,000 | 137,914,000 | 145,496,000 | 147,255,000 |
| Noninterest-bearing deposits | 80,236,000 | 96,323,000 | 88,729,000 | 76,178,000 |
| Equity capital | 23,554,000 | 23,985,000 | 24,496,000 | 24,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,691,000 | 5,328,000 | 7,989,000 | 10,734,000 |
| Interest expense | 196,000 | 383,000 | 592,000 | 823,000 |
| Net interest income | 2,495,000 | 4,945,000 | 7,397,000 | 9,911,000 |
| Noninterest income | 505,000 | 869,000 | 1,193,000 | 1,497,000 |
| Noninterest expense | 1,975,000 | 4,175,000 | 6,199,000 | 8,431,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,025,000 | 1,638,000 | 2,390,000 | 2,977,000 |
| Income tax | 412,000 | 657,000 | 958,000 | 1,188,000 |
| Net income | 613,000 | 981,000 | 1,432,000 | 1,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,167,000 | 23,582,000 | 24,086,000 | 24,559,000 |
| Total capital | 25,924,000 | 26,339,000 | 26,794,000 | 27,813,000 |
| Risk-weighted assets | 219,933,000 | 219,965,000 | 216,113,000 | 203,894,000 |