Call reports 2005
COMMONWEALTH NATIONAL BANK — 2005
What COMMONWEALTH NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,106,000 | 54,378,000 | 58,123,000 | 59,416,000 |
| Total loans | 24,696,000 | 25,140,000 | 25,920,000 | 26,193,000 |
| Allowance for loan losses | 248,000 | 257,000 | 266,000 | 269,000 |
| Securities available for sale | 21,440,000 | 22,018,000 | 21,801,000 | 22,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,011,000 | 50,098,000 | 53,822,000 | 54,993,000 |
| Interest-bearing deposits | 44,098,000 | 43,312,000 | 44,722,000 | 46,264,000 |
| Noninterest-bearing deposits | 8,913,000 | 6,786,000 | 9,100,000 | 8,729,000 |
| Equity capital | 3,760,000 | 4,028,000 | 3,987,000 | 4,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,398,000 | 2,123,000 | 2,898,000 |
| Interest expense | 119,000 | 256,000 | 423,000 | 615,000 |
| Net interest income | 574,000 | 1,142,000 | 1,700,000 | 2,283,000 |
| Noninterest income | 137,000 | 297,000 | 462,000 | 603,000 |
| Noninterest expense | 537,000 | 1,092,000 | 1,657,000 | 2,272,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 159,000 | 317,000 | 460,000 | 554,000 |
| Income tax | 64,000 | 127,000 | 184,000 | 195,000 |
| Net income | 95,000 | 190,000 | 276,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,040,000 | 4,136,000 | 4,222,000 | 4,393,000 |
| Total capital | 4,288,000 | 4,393,000 | 4,488,000 | 4,662,000 |
| Risk-weighted assets | 25,859,000 | 24,942,000 | 26,370,000 | 26,847,000 |