Call reports 2009
COMMUNITY BUSINESS BANK — 2009
What COMMUNITY BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 130,219,000 | 136,840,000 | 137,266,000 | 124,955,000 |
| Total loans | 117,789,000 | 115,695,000 | 116,766,000 | 112,255,000 |
| Allowance for loan losses | 1,376,000 | 1,698,000 | 2,006,000 | 1,657,000 |
| Securities available for sale | 2,665,000 | 5,457,000 | 5,934,000 | 4,772,000 |
| Securities held to maturity | 150,000 | 210,000 | 340,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,953,000 | 96,196,000 | 102,413,000 | 99,066,000 |
| Interest-bearing deposits | 65,517,000 | 79,223,000 | 86,280,000 | 79,549,000 |
| Noninterest-bearing deposits | 18,436,000 | 16,973,000 | 16,133,000 | 19,517,000 |
| Equity capital | 22,167,000 | 20,013,000 | 19,130,000 | 17,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,997,000 | 3,981,000 | 5,984,000 | 7,959,000 |
| Interest expense | 480,000 | 861,000 | 1,251,000 | 1,590,000 |
| Net interest income | 1,517,000 | 3,120,000 | 4,733,000 | 6,369,000 |
| Noninterest income | 49,000 | 106,000 | 154,000 | 200,000 |
| Noninterest expense | 1,388,000 | 2,928,000 | 4,644,000 | 6,142,000 |
| Provision for loan losses | 109,000 | 2,343,000 | 3,153,000 | 4,593,000 |
| Pretax income | 69,000 | -2,045,000 | -2,910,000 | -4,166,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 69,000 | -2,046,000 | -2,911,000 | -4,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,137,000 | 19,992,000 | 19,091,000 | 17,798,000 |
| Total capital | 23,551,000 | 21,556,000 | 20,634,000 | 19,319,000 |
| Risk-weighted assets | 129,551,000 | 124,990,000 | 122,922,000 | 121,550,000 |