Call reports 2008
COMMUNITY BUSINESS BANK — 2008
What COMMUNITY BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 124,830,000 | 135,206,000 | 134,157,000 | 129,395,000 |
| Total loans | 116,154,000 | 127,565,000 | 122,871,000 | 121,513,000 |
| Allowance for loan losses | 1,169,000 | 1,317,000 | 1,710,000 | 1,911,000 |
| Securities available for sale | 4,221,000 | 3,033,000 | 2,918,000 | 2,831,000 |
| Securities held to maturity | 0 | 0 | 30,000 | 340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,457,000 | 100,796,000 | 105,051,000 | 109,290,000 |
| Interest-bearing deposits | 73,839,000 | 86,539,000 | 90,929,000 | 91,216,000 |
| Noninterest-bearing deposits | 12,618,000 | 14,257,000 | 14,122,000 | 18,074,000 |
| Equity capital | 19,046,000 | 19,164,000 | 18,727,000 | 18,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,146,000 | 6,430,000 | 8,488,000 |
| Interest expense | 834,000 | 1,570,000 | 2,379,000 | 3,068,000 |
| Net interest income | 1,240,000 | 2,576,000 | 4,051,000 | 5,420,000 |
| Noninterest income | 89,000 | 204,000 | 216,000 | 484,000 |
| Noninterest expense | 1,263,000 | 2,458,000 | 3,883,000 | 5,258,000 |
| Provision for loan losses | 25,000 | 175,000 | 700,000 | 1,601,000 |
| Pretax income | 41,000 | 147,000 | -316,000 | -955,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 41,000 | 146,000 | -317,000 | -956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,010,000 | 19,141,000 | 18,705,000 | 18,074,000 |
| Total capital | 20,260,000 | 20,541,000 | 20,377,000 | 19,735,000 |
| Risk-weighted assets | 126,796,000 | 141,663,000 | 133,740,000 | 132,562,000 |