Call reports 2016
COMMONWEALTH COMMUNITY BANK, INC. — 2016
What COMMONWEALTH COMMUNITY BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 149,049,000 | 147,856,000 | 152,112,000 | 147,306,000 |
| Total loans | 38,903,000 | 39,406,000 | 39,617,000 | 39,298,000 |
| Allowance for loan losses | 726,000 | 732,000 | 745,000 | 757,000 |
| Securities available for sale | 91,445,000 | 88,611,000 | 90,831,000 | 89,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,315,000 | 118,896,000 | 121,611,000 | 121,273,000 |
| Interest-bearing deposits | 89,734,000 | 88,481,000 | 90,258,000 | 89,674,000 |
| Noninterest-bearing deposits | 30,581,000 | 30,415,000 | 31,353,000 | 31,599,000 |
| Equity capital | 21,624,000 | 22,788,000 | 22,766,000 | 19,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,630,000 | 3,963,000 | 5,140,000 |
| Interest expense | 154,000 | 306,000 | 459,000 | 611,000 |
| Net interest income | 1,108,000 | 2,324,000 | 3,504,000 | 4,529,000 |
| Noninterest income | 211,000 | 431,000 | 733,000 | 974,000 |
| Noninterest expense | 882,000 | 1,727,000 | 2,793,000 | 3,842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 437,000 | 1,028,000 | 1,444,000 | 1,661,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 437,000 | 1,028,000 | 1,444,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,185,000 | 21,778,000 | 22,194,000 | 22,339,000 |
| Total capital | 21,912,000 | 22,511,000 | 22,940,000 | 23,073,000 |
| Risk-weighted assets | 59,785,000 | 59,120,000 | 59,992,000 | 58,714,000 |