Call reports 2012
COMMONWEALTH BANK F.S.B. — 2012
What COMMONWEALTH BANK F.S.B. 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 | 20,914,000 | 20,353,000 | 20,672,000 | 19,918,000 |
| Total loans | 16,437,000 | 16,800,000 | 15,537,000 | 15,017,000 |
| Allowance for loan losses | 85,000 | 86,000 | 87,000 | 158,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,951,000 | 16,251,000 | 16,578,000 | 16,214,000 |
| Interest-bearing deposits | 9,892,000 | 13,714,000 | 14,209,000 | 14,028,000 |
| Noninterest-bearing deposits | 6,059,000 | 2,537,000 | 2,369,000 | 2,186,000 |
| Equity capital | 2,233,000 | 2,222,000 | 2,203,000 | 1,997,000 |
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 | 244,000 | 483,000 | 719,000 | 929,000 |
| Interest expense | 48,000 | 95,000 | 140,000 | 184,000 |
| Net interest income | 196,000 | 388,000 | 579,000 | 745,000 |
| Noninterest income | 2,000 | 26,000 | 46,000 | -11,000 |
| Noninterest expense | 228,000 | 462,000 | 693,000 | 921,000 |
| Provision for loan losses | 41,000 | 41,000 | 41,000 | 129,000 |
| Pretax income | -71,000 | -89,000 | -109,000 | -316,000 |
| Income tax | 0 | -8,000 | -8,000 | -9,000 |
| Net income | -71,000 | -81,000 | -101,000 | -307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,233,000 | 2,222,000 | 2,203,000 | 1,997,000 |
| Total capital | 2,318,000 | 2,308,000 | 2,290,000 | 2,155,000 |
| Risk-weighted assets | 14,558,000 | 14,359,000 | 14,013,000 | 13,467,000 |