Call reports 2014
COMMUNITY BUSINESS BANK — 2014
What COMMUNITY BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 177,335,000 | 187,273,000 | 191,058,000 | 213,234,000 |
| Total loans | 125,531,000 | 133,300,000 | 139,072,000 | 141,442,000 |
| Allowance for loan losses | 1,970,000 | 2,067,000 | 2,066,000 | 2,061,000 |
| Securities available for sale | 42,351,000 | 41,689,000 | 39,412,000 | 40,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,497,000 | 147,411,000 | 163,568,000 | 184,706,000 |
| Interest-bearing deposits | 95,508,000 | 97,691,000 | 115,889,000 | 132,768,000 |
| Noninterest-bearing deposits | 42,989,000 | 49,720,000 | 47,679,000 | 51,938,000 |
| Equity capital | 23,546,000 | 24,368,000 | 24,792,000 | 25,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,011,000 | 4,038,000 | 6,169,000 | 8,308,000 |
| Interest expense | 99,000 | 183,000 | 306,000 | 454,000 |
| Net interest income | 1,912,000 | 3,855,000 | 5,863,000 | 7,854,000 |
| Noninterest income | 498,000 | 922,000 | 1,016,000 | 1,170,000 |
| Noninterest expense | 1,376,000 | 2,793,000 | 4,250,000 | 5,761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,034,000 | 1,988,000 | 2,620,000 | 3,258,000 |
| Income tax | 383,000 | 742,000 | 991,000 | 1,239,000 |
| Net income | 651,000 | 1,246,000 | 1,629,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,790,000 | 24,018,000 | 23,794,000 | 24,965,000 |
| Total capital | 24,447,000 | 25,819,000 | 25,651,000 | 26,999,000 |
| Risk-weighted assets | 132,248,000 | 143,784,000 | 148,368,000 | 162,684,000 |