Call reports 2015
COMMONWEALTH NATIONAL BANK — 2015
What COMMONWEALTH NATIONAL BANK 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 | 57,555,000 | 58,193,000 | 57,558,000 | 56,386,000 |
| Total loans | 30,484,000 | 30,314,000 | 28,230,000 | 27,628,000 |
| Allowance for loan losses | 1,280,000 | 1,276,000 | 702,000 | 684,000 |
| Securities available for sale | 18,431,000 | 17,115,000 | 17,533,000 | 18,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,938,000 | 53,886,000 | 53,227,000 | 52,120,000 |
| Interest-bearing deposits | 39,705,000 | 40,089,000 | 29,195,000 | 41,481,000 |
| Noninterest-bearing deposits | 13,233,000 | 13,797,000 | 24,031,000 | 10,638,000 |
| Equity capital | 4,457,000 | 4,174,000 | 4,157,000 | 4,150,000 |
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 | 529,000 | 1,017,000 | 1,477,000 | 1,934,000 |
| Interest expense | 14,000 | 28,000 | 40,000 | 51,000 |
| Net interest income | 515,000 | 989,000 | 1,437,000 | 1,883,000 |
| Noninterest income | 45,000 | 129,000 | 278,000 | 703,000 |
| Noninterest expense | 692,000 | 1,403,000 | 2,115,000 | 2,782,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -113,000 | -265,000 | -365,000 | -164,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 122,000 |
| Net income | -116,000 | -269,000 | -371,000 | -286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,126,000 | 4,024,000 | 3,943,000 | 4,076,000 |
| Total capital | 4,543,000 | 4,387,000 | 4,472,000 | 4,583,000 |
| Risk-weighted assets | 27,326,000 | 28,029,000 | 25,778,000 | 24,051,000 |