Call reports 2017
COMMONWEALTH COOPERATIVE BANK — 2017
What COMMONWEALTH COOPERATIVE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 180,031,000 | 183,766,000 | 179,179,000 | 178,715,000 |
| Total loans | 132,459,000 | 132,248,000 | 132,446,000 | 135,725,000 |
| Allowance for loan losses | 798,000 | 813,000 | 818,000 | 818,000 |
| Securities available for sale | 24,722,000 | 25,029,000 | 24,929,000 | 24,790,000 |
| Securities held to maturity | 748,000 | 709,000 | 667,000 | 628,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,300,000 | 127,711,000 | 117,450,000 | 122,595,000 |
| Interest-bearing deposits | 110,013,000 | 110,752,000 | 100,373,000 | 103,618,000 |
| Noninterest-bearing deposits | 15,287,000 | 16,959,000 | 17,077,000 | 18,977,000 |
| Equity capital | 25,495,000 | 25,810,000 | 26,109,000 | 25,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,680,000 | 3,432,000 | 5,248,000 | 7,005,000 |
| Interest expense | 274,000 | 541,000 | 832,000 | 1,130,000 |
| Net interest income | 1,406,000 | 2,891,000 | 4,416,000 | 5,875,000 |
| Noninterest income | 52,000 | 155,000 | 209,000 | 268,000 |
| Noninterest expense | 1,135,000 | 2,290,000 | 3,422,000 | 4,579,000 |
| Provision for loan losses | 22,000 | 37,000 | 42,000 | 42,000 |
| Pretax income | 399,000 | 930,000 | 1,372,000 | 1,789,000 |
| Income tax | 118,000 | 282,000 | 424,000 | 1,150,000 |
| Net income | 281,000 | 648,000 | 948,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,077,000 | 25,465,000 | 25,785,000 | 25,557,000 |
| Total capital | 25,875,000 | 26,278,000 | 26,603,000 | 26,375,000 |
| Risk-weighted assets | 96,830,000 | 97,106,000 | 97,003,000 | 98,211,000 |