Call reports 2009
COMMONWEALTH COMMUNITY BANK, INC. — 2009
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 154,822,000 | 151,458,000 | 150,255,000 | 148,988,000 |
| Total loans | 74,681,000 | 73,160,000 | 71,921,000 | 69,983,000 |
| Allowance for loan losses | 950,000 | 1,012,000 | 1,018,000 | 908,000 |
| Securities available for sale | 63,358,000 | 42,418,000 | 62,334,000 | 58,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,922,000 | 122,112,000 | 120,655,000 | 120,655,000 |
| Interest-bearing deposits | 101,844,000 | 101,051,000 | 98,884,000 | 98,703,000 |
| Noninterest-bearing deposits | 21,078,000 | 21,061,000 | 21,771,000 | 21,952,000 |
| Equity capital | 16,655,000 | 16,346,000 | 16,968,000 | 16,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,193,000 | 4,123,000 | 5,936,000 | 7,798,000 |
| Interest expense | 957,000 | 1,744,000 | 2,493,000 | 3,183,000 |
| Net interest income | 1,236,000 | 2,379,000 | 3,443,000 | 4,615,000 |
| Noninterest income | 248,000 | 475,000 | 715,000 | 927,000 |
| Noninterest expense | 1,561,000 | 2,551,000 | 3,587,000 | 4,601,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | -81,000 | 1,043,000 | 1,281,000 | 1,621,000 |
| Income tax | 20,000 | 362,000 | 362,000 | 362,000 |
| Net income | -101,000 | 681,000 | 919,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,745,000 | 16,527,000 | 16,765,000 | 16,735,000 |
| Total capital | 16,676,000 | 17,445,000 | 17,705,000 | 17,643,000 |
| Risk-weighted assets | 74,442,000 | 74,750,000 | 75,155,000 | 75,432,000 |