Call reports 2012
COMMONWEALTH BUSINESS BANK — 2012
What COMMONWEALTH BUSINESS BANK 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 | 413,027,000 | 461,805,000 | 450,047,000 | 481,853,000 |
| Total loans | 346,835,000 | 368,801,000 | 377,424,000 | 387,467,000 |
| Allowance for loan losses | 10,771,000 | 11,149,000 | 11,041,000 | 10,729,000 |
| Securities available for sale | 13,143,000 | 13,165,000 | 9,164,000 | 7,147,000 |
| Securities held to maturity | 5,914,000 | 5,477,000 | 4,859,000 | 4,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,023,000 | 406,636,000 | 393,049,000 | 422,994,000 |
| Interest-bearing deposits | 309,528,000 | 344,962,000 | 334,972,000 | 354,664,000 |
| Noninterest-bearing deposits | 49,495,000 | 61,674,000 | 58,076,000 | 68,330,000 |
| Equity capital | 50,493,000 | 52,325,000 | 54,113,000 | 56,401,000 |
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 | 5,036,000 | 9,979,000 | 15,262,000 | 20,758,000 |
| Interest expense | 857,000 | 1,728,000 | 2,584,000 | 3,437,000 |
| Net interest income | 4,179,000 | 8,251,000 | 12,678,000 | 17,321,000 |
| Noninterest income | 1,155,000 | 2,589,000 | 3,876,000 | 5,093,000 |
| Noninterest expense | 2,933,000 | 5,439,000 | 8,115,000 | 11,181,000 |
| Provision for loan losses | -74,000 | 226,000 | 226,000 | 226,000 |
| Pretax income | 2,475,000 | 5,175,000 | 8,213,000 | 11,007,000 |
| Income tax | 783,000 | 1,755,000 | 2,995,000 | 3,489,000 |
| Net income | 1,692,000 | 3,420,000 | 5,218,000 | 7,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,319,000 | 52,010,000 | 53,875,000 | 56,168,000 |
| Total capital | 54,828,000 | 56,692,000 | 58,653,000 | 61,102,000 |
| Risk-weighted assets | 353,644,000 | 367,262,000 | 375,161,000 | 388,118,000 |