Call reports 2003
COMMONWEALTH COMMUNITY BANK, INC. — 2003
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 151,148,000 | 154,667,000 | 158,362,000 | 165,848,000 |
| Total loans | 77,386,000 | 77,834,000 | 77,315,000 | 76,821,000 |
| Allowance for loan losses | 774,000 | 840,000 | 861,000 | 781,000 |
| Securities available for sale | 40,044,000 | 46,124,000 | 43,886,000 | 46,142,000 |
| Securities held to maturity | 14,442,000 | 14,705,000 | 18,179,000 | 24,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,583,000 | 110,150,000 | 112,728,000 | 123,268,000 |
| Interest-bearing deposits | 93,081,000 | 96,939,000 | 99,488,000 | 107,941,000 |
| Noninterest-bearing deposits | 13,502,000 | 13,211,000 | 13,240,000 | 15,327,000 |
| Equity capital | 14,978,000 | 15,503,000 | 15,323,000 | 15,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,176,000 | 4,344,000 | 6,457,000 | 8,626,000 |
| Interest expense | 1,038,000 | 2,081,000 | 3,122,000 | 4,166,000 |
| Net interest income | 1,138,000 | 2,263,000 | 3,335,000 | 4,460,000 |
| Noninterest income | 233,000 | 594,000 | 917,000 | 1,163,000 |
| Noninterest expense | 768,000 | 1,638,000 | 2,504,000 | 3,610,000 |
| Provision for loan losses | 116,000 | 186,000 | 261,000 | 241,000 |
| Pretax income | 487,000 | 1,033,000 | 1,487,000 | 1,772,000 |
| Income tax | 60,000 | 150,000 | 405,000 | 350,000 |
| Net income | 427,000 | 883,000 | 1,082,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,712,000 | 15,167,000 | 15,366,000 | 15,707,000 |
| Total capital | 15,486,000 | 16,007,000 | 16,227,000 | 16,488,000 |
| Risk-weighted assets | 78,209,000 | 75,042,000 | 81,430,000 | 81,951,000 |