Call reports 2014
COMMONWEALTH COMMUNITY BANK, INC. — 2014
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 151,500,000 | 152,141,000 | 150,823,000 | 149,927,000 |
| Total loans | 45,603,000 | 44,439,000 | 44,262,000 | 43,724,000 |
| Allowance for loan losses | 788,000 | 772,000 | 768,000 | 743,000 |
| Securities available for sale | 90,710,000 | 91,903,000 | 91,557,000 | 92,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,110,000 | 120,940,000 | 120,189,000 | 118,829,000 |
| Interest-bearing deposits | 95,170,000 | 94,807,000 | 93,921,000 | 90,480,000 |
| Noninterest-bearing deposits | 26,941,000 | 26,133,000 | 26,268,000 | 28,349,000 |
| Equity capital | 19,928,000 | 20,703,000 | 21,101,000 | 20,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,780,000 | 4,120,000 | 5,476,000 |
| Interest expense | 177,000 | 347,000 | 520,000 | 686,000 |
| Net interest income | 1,198,000 | 2,433,000 | 3,600,000 | 4,790,000 |
| Noninterest income | 208,000 | 428,000 | 658,000 | 840,000 |
| Noninterest expense | 836,000 | 1,790,000 | 2,669,000 | 3,645,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 566,000 | 1,067,000 | 1,585,000 | 1,981,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 1,067,000 | 1,585,000 | 1,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,091,000 | 19,887,000 | 20,405,000 | 20,801,000 |
| Total capital | 20,879,000 | 20,667,000 | 21,180,000 | 21,551,000 |
| Risk-weighted assets | 71,093,000 | 69,068,000 | 68,573,000 | 67,698,000 |