Call reports 2019
COMMONWEALTH COOPERATIVE BANK — 2019
What COMMONWEALTH COOPERATIVE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 180,766,000 | 185,185,000 | 189,845,000 | 183,989,000 |
| Total loans | 137,914,000 | 139,532,000 | 135,193,000 | 147,017,000 |
| Allowance for loan losses | 818,000 | 818,000 | 818,000 | 818,000 |
| Securities available for sale | 24,121,000 | 24,221,000 | 22,484,000 | 22,767,000 |
| Securities held to maturity | 433,000 | 405,000 | 378,000 | 348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,025,000 | 133,927,000 | 139,190,000 | 137,948,000 |
| Interest-bearing deposits | 114,930,000 | 117,507,000 | 122,417,000 | 120,224,000 |
| Noninterest-bearing deposits | 15,095,000 | 16,420,000 | 16,773,000 | 17,724,000 |
| Equity capital | 27,305,000 | 27,772,000 | 28,139,000 | 28,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,889,000 | 3,842,000 | 5,804,000 | 7,718,000 |
| Interest expense | 433,000 | 907,000 | 1,416,000 | 1,926,000 |
| Net interest income | 1,456,000 | 2,935,000 | 4,388,000 | 5,792,000 |
| Noninterest income | 58,000 | 136,000 | 203,000 | 266,000 |
| Noninterest expense | 1,131,000 | 2,340,000 | 3,473,000 | 4,619,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 383,000 | 731,000 | 1,133,000 | 1,454,000 |
| Income tax | 84,000 | 150,000 | 240,000 | 308,000 |
| Net income | 299,000 | 581,000 | 893,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,145,000 | 27,438,000 | 27,763,000 | 28,011,000 |
| Total capital | 27,963,000 | 28,256,000 | 28,581,000 | 28,829,000 |
| Risk-weighted assets | 100,530,000 | 103,177,000 | 105,603,000 | 110,943,000 |