Call reports 2012
COMMUNITY BUSINESS BANK — 2012
What COMMUNITY BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 151,572,000 | 146,924,000 | 147,244,000 | 147,527,000 |
| Total loans | 103,829,000 | 105,324,000 | 102,491,000 | 103,721,000 |
| Allowance for loan losses | 2,032,000 | 2,052,000 | 2,040,000 | 1,883,000 |
| Securities available for sale | 16,056,000 | 24,533,000 | 25,043,000 | 29,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,573,000 | 120,668,000 | 122,824,000 | 122,002,000 |
| Interest-bearing deposits | 99,389,000 | 90,176,000 | 87,618,000 | 84,541,000 |
| Noninterest-bearing deposits | 30,184,000 | 30,492,000 | 35,206,000 | 37,461,000 |
| Equity capital | 20,314,000 | 22,225,000 | 22,403,000 | 22,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,780,000 | 3,741,000 | 5,489,000 | 7,143,000 |
| Interest expense | 127,000 | 236,000 | 334,000 | 425,000 |
| Net interest income | 1,653,000 | 3,505,000 | 5,155,000 | 6,718,000 |
| Noninterest income | -314,000 | -238,000 | -149,000 | -81,000 |
| Noninterest expense | 1,315,000 | 2,663,000 | 4,098,000 | 5,448,000 |
| Provision for loan losses | 800,000 | 900,000 | 1,000,000 | 1,000,000 |
| Pretax income | -440,000 | 40,000 | 244,000 | 525,000 |
| Income tax | 1,000 | -1,213,000 | -1,213,000 | -1,213,000 |
| Net income | -441,000 | 1,253,000 | 1,457,000 | 1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,320,000 | 19,365,000 | 19,959,000 | 20,234,000 |
| Total capital | 20,744,000 | 20,760,000 | 21,339,000 | 21,616,000 |
| Risk-weighted assets | 113,264,000 | 110,955,000 | 109,725,000 | 110,071,000 |