Call reports 2015
COMMONWEALTH COMMUNITY BANK, INC. — 2015
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 150,148,000 | 147,246,000 | 147,814,000 | 148,052,000 |
| Total loans | 42,293,000 | 41,207,000 | 40,172,000 | 39,226,000 |
| Allowance for loan losses | 747,000 | 730,000 | 730,000 | 715,000 |
| Securities available for sale | 92,900,000 | 90,447,000 | 90,509,000 | 89,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,299,000 | 118,781,000 | 117,546,000 | 118,885,000 |
| Interest-bearing deposits | 90,466,000 | 89,503,000 | 88,154,000 | 89,046,000 |
| Noninterest-bearing deposits | 28,833,000 | 29,278,000 | 29,392,000 | 29,839,000 |
| Equity capital | 21,915,000 | 20,254,000 | 21,547,000 | 20,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,586,000 | 3,888,000 | 5,145,000 |
| Interest expense | 160,000 | 322,000 | 481,000 | 636,000 |
| Net interest income | 1,169,000 | 2,264,000 | 3,407,000 | 4,509,000 |
| Noninterest income | 195,000 | 408,000 | 624,000 | 912,000 |
| Noninterest expense | 1,061,000 | 2,108,000 | 3,133,000 | 4,033,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 303,000 | 564,000 | 898,000 | 1,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 303,000 | 564,000 | 898,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,944,000 | 20,714,000 | 20,970,000 | 21,310,000 |
| Total capital | 21,697,000 | 21,445,000 | 21,704,000 | 22,030,000 |
| Risk-weighted assets | 65,215,000 | 65,305,000 | 61,100,000 | 59,669,000 |