Call reports 2013
COMMONWEALTH COOPERATIVE BANK — 2013
What COMMONWEALTH COOPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 172,617,000 | 171,811,000 | 175,365,000 | 170,830,000 |
| Total loans | 111,278,000 | 107,523,000 | 114,715,000 | 109,323,000 |
| Allowance for loan losses | 693,000 | 690,000 | 691,000 | 691,000 |
| Securities available for sale | 29,376,000 | 32,868,000 | 33,651,000 | 33,447,000 |
| Securities held to maturity | 3,532,000 | 3,204,000 | 2,838,000 | 2,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,415,000 | 115,453,000 | 116,374,000 | 111,684,000 |
| Interest-bearing deposits | 105,726,000 | 105,881,000 | 104,882,000 | 102,208,000 |
| Noninterest-bearing deposits | 8,689,000 | 9,572,000 | 11,492,000 | 9,476,000 |
| Equity capital | 21,513,000 | 21,165,000 | 21,249,000 | 21,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,681,000 | 3,326,000 | 4,950,000 | 6,589,000 |
| Interest expense | 358,000 | 704,000 | 1,042,000 | 1,360,000 |
| Net interest income | 1,323,000 | 2,622,000 | 3,908,000 | 5,229,000 |
| Noninterest income | 252,000 | 346,000 | 419,000 | 491,000 |
| Noninterest expense | 620,000 | 1,568,000 | 2,532,000 | 3,511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 955,000 | 1,400,000 | 1,795,000 | 2,209,000 |
| Income tax | 297,000 | 435,000 | 567,000 | 706,000 |
| Net income | 658,000 | 965,000 | 1,228,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,388,000 | 20,590,000 | 20,733,000 | 20,905,000 |
| Total capital | 21,081,000 | 21,280,000 | 21,424,000 | 21,596,000 |
| Risk-weighted assets | 83,713,000 | 80,819,000 | 84,233,000 | 80,732,000 |