Call reports 2014
COMMONWEALTH NATIONAL BANK — 2014
What COMMONWEALTH NATIONAL BANK 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 | 58,945,000 | 57,869,000 | 58,719,000 | 58,720,000 |
| Total loans | 23,406,000 | 24,425,000 | 26,846,000 | 30,134,000 |
| Allowance for loan losses | 1,236,000 | 1,262,000 | 1,282,000 | 1,367,000 |
| Securities available for sale | 25,442,000 | 22,505,000 | 21,472,000 | 18,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,333,000 | 53,081,000 | 53,909,000 | 54,030,000 |
| Interest-bearing deposits | 42,004,000 | 39,934,000 | 42,631,000 | 40,653,000 |
| Noninterest-bearing deposits | 12,328,000 | 13,147,000 | 11,278,000 | 13,377,000 |
| Equity capital | 4,427,000 | 4,559,000 | 4,633,000 | 4,522,000 |
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 | 580,000 | 1,109,000 | 1,661,000 | 2,209,000 |
| Interest expense | 20,000 | 33,000 | 50,000 | 65,000 |
| Net interest income | 560,000 | 1,076,000 | 1,611,000 | 2,144,000 |
| Noninterest income | 112,000 | 243,000 | 553,000 | 736,000 |
| Noninterest expense | 798,000 | 1,544,000 | 2,278,000 | 3,081,000 |
| Provision for loan losses | 123,000 | 149,000 | 196,000 | 277,000 |
| Pretax income | -244,000 | -371,000 | -309,000 | -440,000 |
| Income tax | 0 | 8,000 | 1,000 | 1,000 |
| Net income | -244,000 | -379,000 | -310,000 | -441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,644,000 | 4,613,000 | 4,548,000 | 4,427,000 |
| Total capital | 5,033,000 | 5,017,000 | 4,939,000 | 4,860,000 |
| Risk-weighted assets | 31,126,000 | 31,521,000 | 30,521,000 | 33,738,000 |
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