Call reports 2014
COMMONWEALTH BANK F.S.B. — 2014
What COMMONWEALTH BANK F.S.B. 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 | 19,215,000 | 19,068,000 | 19,272,000 | 19,534,000 |
| Total loans | 15,815,000 | 15,736,000 | 15,947,000 | 15,800,000 |
| Allowance for loan losses | 160,000 | 157,000 | 158,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,424,000 | 15,345,000 | 15,249,000 | 14,931,000 |
| Interest-bearing deposits | 12,667,000 | 12,588,000 | 12,702,000 | 12,266,000 |
| Noninterest-bearing deposits | 2,757,000 | 2,757,000 | 2,547,000 | 2,665,000 |
| Equity capital | 1,819,000 | 1,780,000 | 1,721,000 | 1,653,000 |
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 | 198,000 | 406,000 | 598,000 | 790,000 |
| Interest expense | 28,000 | 53,000 | 78,000 | 103,000 |
| Net interest income | 170,000 | 353,000 | 520,000 | 687,000 |
| Noninterest income | 9,000 | 31,000 | 55,000 | 82,000 |
| Noninterest expense | 233,000 | 477,000 | 727,000 | 989,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -54,000 | -93,000 | -152,000 | -220,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -54,000 | -93,000 | -152,000 | -220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,819,000 | 1,780,000 | 1,721,000 | 1,653,000 |
| Total capital | 1,979,000 | 1,937,000 | 1,879,000 | 1,760,000 |
| Risk-weighted assets | 13,021,000 | 12,700,000 | 13,029,000 | 13,009,000 |