Call reports 2018
COMMONWEALTH COOPERATIVE BANK — 2018
What COMMONWEALTH COOPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 181,937,000 | 177,682,000 | 184,597,000 | 177,556,000 |
| Total loans | 137,940,000 | 139,400,000 | 140,083,000 | 135,548,000 |
| Allowance for loan losses | 818,000 | 818,000 | 818,000 | 818,000 |
| Securities available for sale | 24,843,000 | 24,552,000 | 23,677,000 | 23,626,000 |
| Securities held to maturity | 571,000 | 531,000 | 495,000 | 464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,275,000 | 123,877,000 | 128,591,000 | 124,887,000 |
| Interest-bearing deposits | 107,499,000 | 107,042,000 | 110,173,000 | 109,717,000 |
| Noninterest-bearing deposits | 18,776,000 | 16,835,000 | 18,418,000 | 15,170,000 |
| Equity capital | 25,889,000 | 26,138,000 | 26,296,000 | 26,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,714,000 | 5,616,000 | 7,519,000 |
| Interest expense | 308,000 | 662,000 | 1,042,000 | 1,465,000 |
| Net interest income | 1,520,000 | 3,052,000 | 4,574,000 | 6,054,000 |
| Noninterest income | 50,000 | 132,000 | 194,000 | 263,000 |
| Noninterest expense | 1,185,000 | 2,392,000 | 3,557,000 | 4,713,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 385,000 | 792,000 | 1,211,000 | 1,604,000 |
| Income tax | 85,000 | 142,000 | 237,000 | 326,000 |
| Net income | 300,000 | 650,000 | 974,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,825,000 | 26,186,000 | 26,522,000 | 26,836,000 |
| Total capital | 26,643,000 | 27,004,000 | 27,340,000 | 27,654,000 |
| Risk-weighted assets | 99,043,000 | 100,540,000 | 99,247,000 | 95,509,000 |