Call reports 2021
COMMUNITY BANK OF THE BAY — 2021
What COMMUNITY BANK OF THE BAY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 762,107,000 | 796,092,000 | 749,914,000 | 715,449,000 |
| Total loans | 541,589,000 | 519,043,000 | 518,702,000 | 538,831,000 |
| Allowance for loan losses | 5,679,000 | 5,931,000 | 6,081,000 | 6,281,000 |
| Securities available for sale | 24,634,000 | 23,311,000 | 42,676,000 | 53,010,000 |
| Securities held to maturity | 0 | 0 | 16,000,000 | 18,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,635,000 | 697,936,000 | 654,863,000 | 610,448,000 |
| Interest-bearing deposits | 406,325,000 | 434,239,000 | 398,632,000 | 372,693,000 |
| Noninterest-bearing deposits | 255,310,000 | 263,697,000 | 256,231,000 | 237,755,000 |
| Equity capital | 63,256,000 | 65,611,000 | 66,564,000 | 67,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,470,000 | 12,395,000 | 19,363,000 | 26,450,000 |
| Interest expense | 493,000 | 949,000 | 1,381,000 | 1,775,000 |
| Net interest income | 5,977,000 | 11,446,000 | 17,982,000 | 24,675,000 |
| Noninterest income | 312,000 | 2,418,000 | 2,300,000 | 2,490,000 |
| Noninterest expense | 3,562,000 | 7,240,000 | 11,191,000 | 15,303,000 |
| Provision for loan losses | 250,000 | 500,000 | 650,000 | 850,000 |
| Pretax income | 2,477,000 | 6,124,000 | 8,441,000 | 11,012,000 |
| Income tax | 707,000 | 1,772,000 | 2,443,000 | 3,191,000 |
| Net income | 1,770,000 | 4,352,000 | 5,998,000 | 7,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,930,000 | 65,168,000 | 66,350,000 | 67,806,000 |
| Total capital | 68,725,000 | 71,215,000 | 72,547,000 | 74,248,000 |
| Risk-weighted assets | 464,006,000 | 491,621,000 | 529,387,000 | 551,960,000 |