Call reports 2005
COMMONWEALTH COMMUNITY BANK, INC. — 2005
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 162,676,000 | 169,119,000 | 167,095,000 | 166,535,000 |
| Total loans | 78,077,000 | 81,547,000 | 81,155,000 | 80,593,000 |
| Allowance for loan losses | 757,000 | 789,000 | 728,000 | 740,000 |
| Securities available for sale | 34,082,000 | 29,882,000 | 33,973,000 | 32,863,000 |
| Securities held to maturity | 36,645,000 | 37,329,000 | 38,614,000 | 38,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,881,000 | 120,627,000 | 115,548,000 | 117,188,000 |
| Interest-bearing deposits | 103,790,000 | 102,497,000 | 98,144,000 | 98,774,000 |
| Noninterest-bearing deposits | 19,091,000 | 18,130,000 | 17,404,000 | 18,414,000 |
| Equity capital | 17,085,000 | 17,680,000 | 18,016,000 | 17,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,088,000 | 4,178,000 | 6,292,000 | 8,465,000 |
| Interest expense | 979,000 | 1,957,000 | 3,029,000 | 4,109,000 |
| Net interest income | 1,109,000 | 2,221,000 | 3,263,000 | 4,356,000 |
| Noninterest income | 246,000 | 545,000 | 809,000 | 960,000 |
| Noninterest expense | 1,083,000 | 1,966,000 | 2,776,000 | 3,709,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 252,000 | 718,000 | 1,184,000 | 1,465,000 |
| Income tax | 14,000 | 74,000 | 134,000 | 205,000 |
| Net income | 238,000 | 644,000 | 1,050,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,463,000 | 17,868,000 | 18,276,000 | 18,486,000 |
| Total capital | 18,220,000 | 18,657,000 | 19,004,000 | 19,226,000 |
| Risk-weighted assets | 81,908,000 | 80,582,000 | 86,217,000 | 86,779,000 |