Call reports 2007
COMMONWEALTH COMMUNITY BANK, INC. — 2007
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,232,000 | 167,398,000 | 165,588,000 | 163,228,000 |
| Total loans | 82,472,000 | 83,778,000 | 84,369,000 | 83,085,000 |
| Allowance for loan losses | 809,000 | 824,000 | 881,000 | 875,000 |
| Securities available for sale | 73,449,000 | 66,749,000 | 68,793,000 | 66,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,727,000 | 125,146,000 | 121,742,000 | 120,183,000 |
| Interest-bearing deposits | 105,839,000 | 105,868,000 | 102,630,000 | 102,353,000 |
| Noninterest-bearing deposits | 18,888,000 | 19,277,000 | 19,112,000 | 17,830,000 |
| Equity capital | 18,836,000 | 13,451,000 | 14,255,000 | 14,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,316,000 | 4,712,000 | 7,079,000 | 9,386,000 |
| Interest expense | 1,378,000 | 2,790,000 | 4,175,000 | 5,544,000 |
| Net interest income | 938,000 | 1,922,000 | 2,904,000 | 3,842,000 |
| Noninterest income | 277,000 | 633,000 | 897,000 | 1,157,000 |
| Noninterest expense | 892,000 | 1,796,000 | 2,639,000 | 3,499,000 |
| Provision for loan losses | 20,000 | 50,000 | 60,000 | 60,000 |
| Pretax income | 303,000 | 716,000 | 1,109,000 | 1,450,000 |
| Income tax | 21,000 | 122,000 | 224,000 | 327,000 |
| Net income | 282,000 | 594,000 | 885,000 | 1,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,046,000 | 14,958,000 | 15,249,000 | 15,487,000 |
| Total capital | 20,855,000 | 15,782,000 | 16,130,000 | 16,362,000 |
| Risk-weighted assets | 80,294,000 | 83,640,000 | 87,494,000 | 84,822,000 |