Call reports 2011
COMMONWEALTH BUSINESS BANK — 2011
What COMMONWEALTH BUSINESS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 402,996,000 | 399,338,000 | 402,137,000 | 408,084,000 |
| Total loans | 322,292,000 | 317,387,000 | 327,496,000 | 333,505,000 |
| Allowance for loan losses | 9,095,000 | 10,910,000 | 11,414,000 | 10,929,000 |
| Securities available for sale | 15,901,000 | 12,020,000 | 14,112,000 | 15,158,000 |
| Securities held to maturity | 4,140,000 | 3,796,000 | 4,614,000 | 6,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,821,000 | 352,124,000 | 353,469,000 | 356,997,000 |
| Interest-bearing deposits | 307,491,000 | 310,520,000 | 312,993,000 | 314,112,000 |
| Noninterest-bearing deposits | 41,329,000 | 41,604,000 | 40,476,000 | 42,885,000 |
| Equity capital | 47,879,000 | 45,298,000 | 46,526,000 | 48,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,641,000 | 9,041,000 | 13,662,000 | 18,345,000 |
| Interest expense | 1,109,000 | 2,043,000 | 2,976,000 | 3,871,000 |
| Net interest income | 3,532,000 | 6,998,000 | 10,686,000 | 14,474,000 |
| Noninterest income | 1,275,000 | 2,502,000 | 3,411,000 | 4,223,000 |
| Noninterest expense | 2,170,000 | 4,183,000 | 6,293,000 | 8,625,000 |
| Provision for loan losses | 842,000 | 7,712,000 | 8,279,000 | 8,279,000 |
| Pretax income | 1,795,000 | -2,395,000 | -475,000 | 1,793,000 |
| Income tax | 714,000 | -898,000 | -142,000 | -46,000 |
| Net income | 1,081,000 | -1,497,000 | -333,000 | 1,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,932,000 | 45,281,000 | 45,983,000 | 48,661,000 |
| Total capital | 52,193,000 | 49,507,000 | 50,288,000 | 53,051,000 |
| Risk-weighted assets | 335,671,000 | 331,012,000 | 336,933,000 | 344,325,000 |