Call reports 2013
COMMONWEALTH BANK F.S.B. — 2013
What COMMONWEALTH BANK F.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 20,876,000 | 20,009,000 | 19,253,000 | 19,263,000 |
| Total loans | 14,939,000 | 14,729,000 | 14,817,000 | 15,597,000 |
| Allowance for loan losses | 158,000 | 159,000 | 158,000 | 160,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,244,000 | 16,430,000 | 15,707,000 | 15,169,000 |
| Interest-bearing deposits | 14,619,000 | 13,791,000 | 13,046,000 | 12,600,000 |
| Noninterest-bearing deposits | 2,625,000 | 2,639,000 | 2,661,000 | 2,569,000 |
| Equity capital | 1,977,000 | 1,940,000 | 1,904,000 | 1,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 402,000 | 598,000 | 798,000 |
| Interest expense | 40,000 | 76,000 | 108,000 | 138,000 |
| Net interest income | 170,000 | 326,000 | 490,000 | 660,000 |
| Noninterest income | 23,000 | 49,000 | 69,000 | 97,000 |
| Noninterest expense | 213,000 | 432,000 | 652,000 | 881,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -20,000 | -57,000 | -93,000 | -124,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -20,000 | -57,000 | -93,000 | -124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,977,000 | 1,940,000 | 1,904,000 | 1,873,000 |
| Total capital | 2,135,000 | 2,099,000 | 2,062,000 | 2,033,000 |
| Risk-weighted assets | 13,488,000 | 12,810,000 | 12,576,000 | 13,011,000 |