Call reports 2019
COMMUNITY BANK OF THE BAY — 2019
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 423,856,000 | 454,373,000 | 491,389,000 | 493,806,000 |
| Total loans | 330,529,000 | 362,954,000 | 395,274,000 | 399,687,000 |
| Allowance for loan losses | 3,624,000 | 3,824,000 | 4,057,000 | 4,106,000 |
| Securities available for sale | 18,934,000 | 17,122,000 | 14,777,000 | 15,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,466,000 | 365,521,000 | 400,746,000 | 399,248,000 |
| Interest-bearing deposits | 237,397,000 | 230,452,000 | 247,205,000 | 265,504,000 |
| Noninterest-bearing deposits | 119,069,000 | 135,069,000 | 153,541,000 | 133,744,000 |
| Equity capital | 50,867,000 | 53,415,000 | 54,828,000 | 56,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,908,000 | 10,218,000 | 16,073,000 | 21,883,000 |
| Interest expense | 832,000 | 1,780,000 | 2,834,000 | 3,947,000 |
| Net interest income | 4,076,000 | 8,438,000 | 13,239,000 | 17,936,000 |
| Noninterest income | 171,000 | 348,000 | 750,000 | 968,000 |
| Noninterest expense | 2,951,000 | 5,927,000 | 9,043,000 | 12,350,000 |
| Provision for loan losses | 150,000 | 350,000 | 550,000 | 600,000 |
| Pretax income | 1,146,000 | 2,509,000 | 4,396,000 | 5,954,000 |
| Income tax | 364,000 | 797,000 | 1,386,000 | 1,880,000 |
| Net income | 782,000 | 1,712,000 | 3,010,000 | 4,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,553,000 | 52,929,000 | 54,361,000 | 55,655,000 |
| Total capital | 54,258,000 | 56,834,000 | 58,499,000 | 59,842,000 |
| Risk-weighted assets | 355,026,000 | 386,953,000 | 433,670,000 | 408,510,000 |