Call reports 2025
COMMONWEALTH COOPERATIVE BANK — 2025
What COMMONWEALTH COOPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 202,513,000 | 202,138,000 | 203,195,000 | 205,345,000 |
| Total loans | 132,046,000 | 133,469,000 | 136,334,000 | 133,358,000 |
| Allowance for loan losses | 777,000 | 777,000 | 817,000 | 827,000 |
| Securities available for sale | 40,614,000 | 40,051,000 | 39,857,000 | 44,407,000 |
| Securities held to maturity | 10,006,000 | 10,004,000 | 10,003,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,034,000 | 130,872,000 | 130,868,000 | 135,017,000 |
| Interest-bearing deposits | 109,957,000 | 108,137,000 | 110,332,000 | 113,053,000 |
| Noninterest-bearing deposits | 20,077,000 | 22,735,000 | 20,536,000 | 21,964,000 |
| Equity capital | 26,635,000 | 26,941,000 | 27,629,000 | 28,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,402,000 | 4,764,000 | 7,196,000 | 9,551,000 |
| Interest expense | 1,062,000 | 2,091,000 | 3,169,000 | 4,195,000 |
| Net interest income | 1,340,000 | 2,673,000 | 4,027,000 | 5,356,000 |
| Noninterest income | 49,000 | 105,000 | 151,000 | 200,000 |
| Noninterest expense | 1,206,000 | 2,378,000 | 3,496,000 | 4,679,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 50,000 |
| Pretax income | 183,000 | 400,000 | 642,000 | 802,000 |
| Income tax | 55,000 | 166,000 | 223,000 | 261,000 |
| Net income | 128,000 | 234,000 | 419,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,838,000 | 32,943,000 | 33,130,000 | 33,160,000 |