Call reports 2010
COMMONWEALTH COMMUNITY BANK, INC. — 2010
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 152,616,000 | 152,475,000 | 150,536,000 | 147,595,000 |
| Total loans | 68,821,000 | 67,750,000 | 66,358,000 | 65,354,000 |
| Allowance for loan losses | 934,000 | 940,000 | 929,000 | 874,000 |
| Securities available for sale | 70,056,000 | 62,737,000 | 62,880,000 | 69,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,442,000 | 124,313,000 | 122,274,000 | 121,754,000 |
| Interest-bearing deposits | 103,900,000 | 103,529,000 | 100,623,000 | 98,967,000 |
| Noninterest-bearing deposits | 21,543,000 | 20,784,000 | 21,651,000 | 22,787,000 |
| Equity capital | 15,838,000 | 17,124,000 | 16,309,000 | 16,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,799,000 | 3,722,000 | 5,548,000 | 7,412,000 |
| Interest expense | 642,000 | 1,247,000 | 1,799,000 | 2,265,000 |
| Net interest income | 1,157,000 | 2,475,000 | 3,749,000 | 5,147,000 |
| Noninterest income | 251,000 | 482,000 | 690,000 | 814,000 |
| Noninterest expense | 955,000 | 1,891,000 | 3,111,000 | 4,161,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 428,000 | 1,011,000 | 1,244,000 | 1,686,000 |
| Income tax | 24,000 | 24,000 | 76,000 | 75,000 |
| Net income | 404,000 | 987,000 | 1,168,000 | 1,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,201,000 | 16,783,000 | 16,966,000 | 17,409,000 |
| Total capital | 17,135,000 | 17,723,000 | 17,895,000 | 18,283,000 |
| Risk-weighted assets | 76,639,000 | 76,810,000 | 81,645,000 | 84,544,000 |