Call reports 2007
COMMONWEALTH BUSINESS BANK — 2007
What COMMONWEALTH BUSINESS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 216,751,000 | 228,346,000 | 261,926,000 | 257,738,000 |
| Total loans | 158,575,000 | 164,422,000 | 184,805,000 | 211,161,000 |
| Allowance for loan losses | 1,634,000 | 1,669,000 | 1,852,000 | 2,257,000 |
| Securities available for sale | 15,497,000 | 23,430,000 | 20,099,000 | 17,212,000 |
| Securities held to maturity | 4,386,000 | 4,083,000 | 3,912,000 | 4,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,728,000 | 185,141,000 | 217,547,000 | 213,738,000 |
| Interest-bearing deposits | 155,230,000 | 160,458,000 | 170,914,000 | 185,270,000 |
| Noninterest-bearing deposits | 19,498,000 | 24,683,000 | 46,633,000 | 28,468,000 |
| Equity capital | 39,679,000 | 40,320,000 | 41,046,000 | 40,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,955,000 | 8,284,000 | 12,892,000 | 17,531,000 |
| Interest expense | 1,780,000 | 3,707,000 | 5,843,000 | 7,987,000 |
| Net interest income | 2,175,000 | 4,577,000 | 7,049,000 | 9,544,000 |
| Noninterest income | 406,000 | 820,000 | 1,271,000 | 1,718,000 |
| Noninterest expense | 1,663,000 | 3,480,000 | 5,334,000 | 7,008,000 |
| Provision for loan losses | 259,000 | 294,000 | 476,000 | 2,069,000 |
| Pretax income | 659,000 | 1,623,000 | 2,510,000 | 2,185,000 |
| Income tax | 94,000 | 618,000 | 1,057,000 | 1,009,000 |
| Net income | 565,000 | 1,005,000 | 1,453,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,680,000 | 40,345,000 | 40,978,000 | 40,742,000 |
| Total capital | 41,634,000 | 42,418,000 | 43,315,000 | 43,502,000 |
| Risk-weighted assets | 170,014,000 | 178,244,000 | 206,218,000 | 227,127,000 |