Call reports 2011
COMMONWEALTH COMMUNITY BANK, INC. — 2011
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 152,404,000 | 152,775,000 | 155,109,000 | 157,474,000 |
| Total loans | 62,810,000 | 61,405,000 | 59,311,000 | 58,109,000 |
| Allowance for loan losses | 884,000 | 884,000 | 871,000 | 874,000 |
| Securities available for sale | 64,822,000 | 76,556,000 | 79,873,000 | 83,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,266,000 | 119,101,000 | 120,442,000 | 122,436,000 |
| Interest-bearing deposits | 97,088,000 | 97,500,000 | 97,867,000 | 100,896,000 |
| Noninterest-bearing deposits | 23,178,000 | 21,601,000 | 22,575,000 | 21,540,000 |
| Equity capital | 16,678,000 | 19,454,000 | 22,264,000 | 21,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,827,000 | 3,664,000 | 5,509,000 | 7,361,000 |
| Interest expense | 426,000 | 833,000 | 1,233,000 | 1,629,000 |
| Net interest income | 1,401,000 | 2,831,000 | 4,276,000 | 5,732,000 |
| Noninterest income | 164,000 | 387,000 | 553,000 | 743,000 |
| Noninterest expense | 1,001,000 | 2,013,000 | 2,963,000 | 4,181,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 534,000 | 1,146,000 | 1,787,000 | 2,185,000 |
| Income tax | 0 | 0 | 0 | 34,000 |
| Net income | 534,000 | 1,146,000 | 1,787,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,745,000 | 17,989,000 | 18,629,000 | 17,893,000 |
| Total capital | 18,629,000 | 18,873,000 | 19,500,000 | 18,767,000 |
| Risk-weighted assets | 83,421,000 | 84,623,000 | 86,173,000 | 87,710,000 |