Call reports 2013
COMMONWEALTH COMMUNITY BANK, INC. — 2013
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 162,337,000 | 155,378,000 | 152,372,000 | 151,229,000 |
| Total loans | 49,241,000 | 48,005,000 | 47,219,000 | 46,221,000 |
| Allowance for loan losses | 849,000 | 869,000 | 846,000 | 805,000 |
| Securities available for sale | 96,026,000 | 92,173,000 | 90,346,000 | 89,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,525,000 | 124,487,000 | 121,643,000 | 121,220,000 |
| Interest-bearing deposits | 99,908,000 | 99,485,000 | 96,021,000 | 96,080,000 |
| Noninterest-bearing deposits | 25,617,000 | 25,002,000 | 25,622,000 | 25,140,000 |
| Equity capital | 22,979,000 | 18,099,000 | 17,981,000 | 18,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,516,000 | 3,016,000 | 4,528,000 | 5,996,000 |
| Interest expense | 234,000 | 451,000 | 653,000 | 841,000 |
| Net interest income | 1,282,000 | 2,565,000 | 3,875,000 | 5,155,000 |
| Noninterest income | 210,000 | 454,000 | 685,000 | 913,000 |
| Noninterest expense | 866,000 | 1,767,000 | 2,674,000 | 3,751,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 140,000 |
| Pretax income | 566,000 | 1,132,000 | 1,766,000 | 2,194,000 |
| Income tax | 44,000 | 44,000 | 44,000 | 44,000 |
| Net income | 522,000 | 1,088,000 | 1,722,000 | 2,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,610,000 | 18,608,000 | 19,242,000 | 19,679,000 |
| Total capital | 20,464,000 | 19,479,000 | 20,090,000 | 20,485,000 |
| Risk-weighted assets | 76,144,000 | 74,487,000 | 73,366,000 | 72,172,000 |