Call reports 2012
COMMONWEALTH COOPERATIVE BANK — 2012
What COMMONWEALTH COOPERATIVE 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 | 177,619,000 | 177,008,000 | 174,993,000 | 172,143,000 |
| Total loans | 120,165,000 | 111,951,000 | 112,450,000 | 115,558,000 |
| Allowance for loan losses | 752,000 | 696,000 | 696,000 | 696,000 |
| Securities available for sale | 31,412,000 | 27,668,000 | 27,466,000 | 27,763,000 |
| Securities held to maturity | 5,140,000 | 4,725,000 | 4,295,000 | 3,874,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,516,000 | 112,759,000 | 114,124,000 | 110,347,000 |
| Interest-bearing deposits | 99,202,000 | 99,885,000 | 100,547,000 | 101,659,000 |
| Noninterest-bearing deposits | 11,314,000 | 12,874,000 | 13,577,000 | 8,688,000 |
| Equity capital | 19,811,000 | 20,231,000 | 20,653,000 | 20,974,000 |
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 | 1,965,000 | 3,873,000 | 5,689,000 | 7,756,000 |
| Interest expense | 475,000 | 915,000 | 1,327,000 | 1,719,000 |
| Net interest income | 1,490,000 | 2,958,000 | 4,362,000 | 6,037,000 |
| Noninterest income | 114,000 | 214,000 | 304,000 | 377,000 |
| Noninterest expense | 1,059,000 | 2,242,000 | 3,237,000 | 4,324,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 545,000 | 930,000 | 1,434,000 | 2,133,000 |
| Income tax | 199,000 | 324,000 | 507,000 | 769,000 |
| Net income | 346,000 | 606,000 | 927,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,407,000 | 19,060,000 | 19,449,000 | 19,809,000 |
| Total capital | 19,159,000 | 19,756,000 | 20,145,000 | 20,505,000 |
| Risk-weighted assets | 94,275,000 | 88,659,000 | 90,532,000 | 89,221,000 |