Call reports 2016
COMMUNITY BUSINESS BANK — 2016
What COMMUNITY BUSINESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 254,221,000 | 260,117,000 | 284,481,000 | 304,432,000 |
| Total loans | 184,860,000 | 194,552,000 | 205,863,000 | 211,294,000 |
| Allowance for loan losses | 2,200,000 | 2,297,000 | 2,400,000 | 2,497,000 |
| Securities available for sale | 54,339,000 | 49,473,000 | 54,203,000 | 66,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,518,000 | 227,159,000 | 242,729,000 | 256,356,000 |
| Interest-bearing deposits | 138,520,000 | 152,348,000 | 153,780,000 | 162,649,000 |
| Noninterest-bearing deposits | 67,998,000 | 74,811,000 | 88,949,000 | 93,707,000 |
| Equity capital | 31,338,000 | 28,694,000 | 29,614,000 | 29,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,722,000 | 5,767,000 | 8,759,000 | 11,922,000 |
| Interest expense | 185,000 | 394,000 | 631,000 | 886,000 |
| Net interest income | 2,537,000 | 5,373,000 | 8,128,000 | 11,036,000 |
| Noninterest income | 81,000 | 335,000 | 611,000 | 798,000 |
| Noninterest expense | 1,540,000 | 3,055,000 | 4,734,000 | 6,530,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 992,000 | 2,462,000 | 3,715,000 | 4,909,000 |
| Income tax | 360,000 | 960,000 | 1,426,000 | 1,871,000 |
| Net income | 632,000 | 1,502,000 | 2,289,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,860,000 | 28,048,000 | 28,911,000 | 29,737,000 |
| Total capital | 33,101,000 | 30,393,000 | 31,362,000 | 32,293,000 |
| Risk-weighted assets | 205,458,000 | 213,362,000 | 231,384,000 | 244,009,000 |