Call reports 2012
COMMONWEALTH COMMUNITY BANK, INC. — 2012
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 162,959,000 | 165,955,000 | 164,972,000 | 162,469,000 |
| Total loans | 56,526,000 | 55,142,000 | 53,207,000 | 51,001,000 |
| Allowance for loan losses | 842,000 | 860,000 | 843,000 | 869,000 |
| Securities available for sale | 70,728,000 | 95,765,000 | 94,124,000 | 96,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,826,000 | 129,147,000 | 126,538,000 | 126,887,000 |
| Interest-bearing deposits | 102,784,000 | 104,207,000 | 102,160,000 | 100,217,000 |
| Noninterest-bearing deposits | 24,043,000 | 24,940,000 | 24,378,000 | 26,670,000 |
| Equity capital | 22,609,000 | 23,037,000 | 24,330,000 | 22,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,398,000 | 4,995,000 | 6,554,000 |
| Interest expense | 385,000 | 727,000 | 1,041,000 | 1,315,000 |
| Net interest income | 1,415,000 | 2,671,000 | 3,954,000 | 5,239,000 |
| Noninterest income | 230,000 | 461,000 | 722,000 | 933,000 |
| Noninterest expense | 1,045,000 | 2,080,000 | 2,960,000 | 4,011,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 230,000 |
| Pretax income | 2,362,000 | 2,754,000 | 3,358,000 | 3,743,000 |
| Income tax | 11,000 | 26,000 | 26,000 | 27,000 |
| Net income | 2,351,000 | 2,728,000 | 3,332,000 | 3,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,092,000 | 19,787,000 | 20,391,000 | 19,050,000 |
| Total capital | 20,934,000 | 20,647,000 | 21,238,000 | 19,923,000 |
| Risk-weighted assets | 79,565,000 | 78,867,000 | 78,372,000 | 77,126,000 |