Call reports 2001
COMMONWEALTH COMMUNITY BANK, INC. — 2001
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 112,803,000 | 111,467,000 | 113,739,000 | 113,386,000 |
| Total loans | 61,458,000 | 64,136,000 | 64,783,000 | 66,099,000 |
| Allowance for loan losses | 637,000 | 651,000 | 700,000 | 635,000 |
| Securities available for sale | 31,768,000 | 28,173,000 | 24,236,000 | 24,123,000 |
| Securities held to maturity | 6,505,000 | 6,872,000 | 11,072,000 | 11,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,399,000 | 83,272,000 | 87,331,000 | 87,240,000 |
| Interest-bearing deposits | 72,884,000 | 70,893,000 | 74,083,000 | 73,455,000 |
| Noninterest-bearing deposits | 12,515,000 | 12,379,000 | 13,248,000 | 13,785,000 |
| Equity capital | 12,049,000 | 12,403,000 | 12,903,000 | 13,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,077,000 | 4,163,000 | 6,196,000 | 8,192,000 |
| Interest expense | 1,133,000 | 2,225,000 | 3,256,000 | 4,214,000 |
| Net interest income | 944,000 | 1,938,000 | 2,940,000 | 3,978,000 |
| Noninterest income | 161,000 | 320,000 | 490,000 | 667,000 |
| Noninterest expense | 572,000 | 1,213,000 | 1,820,000 | 2,624,000 |
| Provision for loan losses | 30,000 | 55,000 | 115,000 | 115,000 |
| Pretax income | 503,000 | 990,000 | 1,499,000 | 1,911,000 |
| Income tax | 161,000 | 277,000 | 396,000 | 471,000 |
| Net income | 342,000 | 713,000 | 1,103,000 | 1,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,850,000 | 12,178,000 | 12,567,000 | 12,905,000 |
| Total capital | 12,487,000 | 12,829,000 | 13,267,000 | 13,540,000 |
| Risk-weighted assets | 59,768,000 | 61,902,000 | 64,739,000 | 65,834,000 |