Call reports 2020
COMMUNITY BANK OF THE BAY — 2020
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 527,396,000 | 612,001,000 | 636,346,000 | 633,952,000 |
| Total loans | 400,241,000 | 474,205,000 | 477,873,000 | 488,534,000 |
| Allowance for loan losses | 4,613,000 | 5,115,000 | 5,347,000 | 5,698,000 |
| Securities available for sale | 17,048,000 | 15,557,000 | 20,376,000 | 24,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,966,000 | 506,904,000 | 530,610,000 | 531,252,000 |
| Interest-bearing deposits | 284,441,000 | 301,324,000 | 301,502,000 | 325,220,000 |
| Noninterest-bearing deposits | 147,525,000 | 205,580,000 | 229,108,000 | 206,032,000 |
| Equity capital | 57,423,000 | 58,706,000 | 60,037,000 | 61,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,719,000 | 11,221,000 | 16,806,000 | 23,224,000 |
| Interest expense | 1,061,000 | 1,903,000 | 2,605,000 | 3,246,000 |
| Net interest income | 4,658,000 | 9,318,000 | 14,201,000 | 19,978,000 |
| Noninterest income | 462,000 | 610,000 | 1,041,000 | 1,264,000 |
| Noninterest expense | 3,328,000 | 5,937,000 | 9,213,000 | 12,508,000 |
| Provision for loan losses | 500,000 | 1,000,000 | 1,250,000 | 1,600,000 |
| Pretax income | 1,292,000 | 2,991,000 | 4,779,000 | 7,134,000 |
| Income tax | 406,000 | 928,000 | 1,475,000 | 2,182,000 |
| Net income | 886,000 | 2,063,000 | 3,304,000 | 4,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,120,000 | 58,035,000 | 59,406,000 | 61,121,000 |
| Total capital | — | 63,035,000 | 64,462,000 | 66,933,000 |
| Risk-weighted assets | — | 399,837,000 | 404,178,000 | 464,993,000 |