Call reports 2006
COMMONWEALTH COMMUNITY BANK, INC. — 2006
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 168,546,000 | 169,552,000 | 169,326,000 | 169,789,000 |
| Total loans | 79,366,000 | 78,741,000 | 80,187,000 | 80,363,000 |
| Allowance for loan losses | 757,000 | 753,000 | 734,000 | 753,000 |
| Securities available for sale | 35,100,000 | 36,928,000 | 36,815,000 | 74,317,000 |
| Securities held to maturity | 38,567,000 | 38,564,000 | 38,246,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,735,000 | 118,174,000 | 118,010,000 | 118,844,000 |
| Interest-bearing deposits | 100,028,000 | 98,330,000 | 100,932,000 | 101,385,000 |
| Noninterest-bearing deposits | 18,707,000 | 19,844,000 | 17,078,000 | 17,459,000 |
| Equity capital | 18,224,000 | 18,333,000 | 19,075,000 | 18,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,172,000 | 4,371,000 | 6,661,000 | 8,958,000 |
| Interest expense | 1,122,000 | 2,327,000 | 3,605,000 | 4,949,000 |
| Net interest income | 1,050,000 | 2,044,000 | 3,056,000 | 4,009,000 |
| Noninterest income | 277,000 | 564,000 | 842,000 | 1,104,000 |
| Noninterest expense | 925,000 | 1,760,000 | 2,647,000 | 3,532,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 372,000 | 788,000 | 1,161,000 | 1,471,000 |
| Income tax | 35,000 | 93,000 | 139,000 | 205,000 |
| Net income | 337,000 | 695,000 | 1,022,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,823,000 | 19,181,000 | 19,509,000 | 19,774,000 |
| Total capital | 19,580,000 | 19,934,000 | 20,243,000 | 20,527,000 |
| Risk-weighted assets | 86,208,000 | 86,229,000 | 87,404,000 | 81,624,000 |