Call reports 2015
COMMONWEALTH COOPERATIVE BANK — 2015
What COMMONWEALTH COOPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 176,183,000 | 175,324,000 | 174,329,000 | 173,226,000 |
| Total loans | 124,721,000 | 129,759,000 | 124,855,000 | 128,410,000 |
| Allowance for loan losses | 761,000 | 791,000 | 821,000 | 851,000 |
| Securities available for sale | 27,960,000 | 25,247,000 | 24,930,000 | 26,400,000 |
| Securities held to maturity | 1,929,000 | 1,823,000 | 1,695,000 | 1,345,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,913,000 | 116,114,000 | 118,231,000 | 117,220,000 |
| Interest-bearing deposits | 104,549,000 | 103,972,000 | 105,785,000 | 105,243,000 |
| Noninterest-bearing deposits | 10,364,000 | 12,142,000 | 12,446,000 | 11,977,000 |
| Equity capital | 23,689,000 | 23,784,000 | 24,197,000 | 24,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,331,000 | 4,970,000 | 6,635,000 |
| Interest expense | 286,000 | 569,000 | 833,000 | 1,099,000 |
| Net interest income | 1,330,000 | 2,762,000 | 4,137,000 | 5,536,000 |
| Noninterest income | 63,000 | 124,000 | 180,000 | 246,000 |
| Noninterest expense | 1,065,000 | 2,112,000 | 3,164,000 | 4,226,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 298,000 | 787,000 | 1,136,000 | 1,536,000 |
| Income tax | 74,000 | 234,000 | 334,000 | 450,000 |
| Net income | 224,000 | 553,000 | 802,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,964,000 | 23,128,000 | 22,974,000 | 23,696,000 |
| Total capital | 23,725,000 | 23,919,000 | 23,795,000 | 24,547,000 |
| Risk-weighted assets | 90,723,000 | 89,642,000 | 88,021,000 | 90,579,000 |