Call reports 2004
COMMONWEALTH COMMUNITY BANK, INC. — 2004
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 160,616,000 | 161,908,000 | 161,691,000 | 164,262,000 |
| Total loans | 76,732,000 | 78,053,000 | 78,149,000 | 78,778,000 |
| Allowance for loan losses | 808,000 | 817,000 | 720,000 | 752,000 |
| Securities available for sale | 31,175,000 | 28,424,000 | 27,819,000 | 35,035,000 |
| Securities held to maturity | 36,135,000 | 42,730,000 | 41,662,000 | 36,643,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,498,000 | 121,821,000 | 122,378,000 | 124,365,000 |
| Interest-bearing deposits | 105,850,000 | 105,805,000 | 105,491,000 | 106,069,000 |
| Noninterest-bearing deposits | 14,648,000 | 16,016,000 | 16,887,000 | 18,296,000 |
| Equity capital | 16,256,000 | 16,182,000 | 16,772,000 | 17,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,169,000 | 4,179,000 | 6,254,000 | 8,331,000 |
| Interest expense | 976,000 | 1,929,000 | 2,884,000 | 3,838,000 |
| Net interest income | 1,193,000 | 2,250,000 | 3,370,000 | 4,493,000 |
| Noninterest income | 249,000 | 519,000 | 788,000 | 1,022,000 |
| Noninterest expense | 863,000 | 1,643,000 | 2,561,000 | 3,512,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 549,000 | 1,066,000 | 1,507,000 | 1,893,000 |
| Income tax | 60,000 | 146,000 | 353,000 | 375,000 |
| Net income | 489,000 | 920,000 | 1,154,000 | 1,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,196,000 | 16,627,000 | 16,860,000 | 17,226,000 |
| Total capital | 17,004,000 | 17,444,000 | 17,580,000 | 17,978,000 |
| Risk-weighted assets | 80,965,000 | 81,664,000 | 81,307,000 | 82,333,000 |