Call reports 2012
COMMONWEALTH NATIONAL BANK — 2012
What COMMONWEALTH NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,050,000 | 64,871,000 | 63,244,000 | 58,903,000 |
| Total loans | 30,047,000 | 29,900,000 | 29,132,000 | 27,756,000 |
| Allowance for loan losses | 560,000 | 687,000 | 715,000 | 731,000 |
| Securities available for sale | 24,597,000 | 25,149,000 | 19,966,000 | 21,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,056,000 | 59,796,000 | 57,250,000 | 52,436,000 |
| Interest-bearing deposits | 51,848,000 | 50,366,000 | 47,694,000 | 43,571,000 |
| Noninterest-bearing deposits | 10,208,000 | 9,430,000 | 9,555,000 | 8,865,000 |
| Equity capital | 5,703,000 | 4,793,000 | 5,686,000 | 5,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,438,000 | 2,001,000 | 2,674,000 |
| Interest expense | 56,000 | 112,000 | 151,000 | 174,000 |
| Net interest income | 691,000 | 1,326,000 | 1,850,000 | 2,500,000 |
| Noninterest income | 84,000 | 232,000 | 393,000 | 915,000 |
| Noninterest expense | 771,000 | 2,447,000 | 2,466,000 | 3,359,000 |
| Provision for loan losses | 37,000 | 163,000 | 199,000 | 236,000 |
| Pretax income | -45,000 | -1,001,000 | -225,000 | 64,000 |
| Income tax | 0 | 0 | 0 | -91,000 |
| Net income | -45,000 | -1,001,000 | -225,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,501,000 | 4,544,000 | 5,322,000 | 5,702,000 |
| Total capital | 6,000,000 | 5,070,000 | 5,823,000 | 6,184,000 |
| Risk-weighted assets | 39,845,000 | 41,271,000 | 39,493,000 | 39,028,000 |