Call reports 2016
COMMONWEALTH NATIONAL BANK — 2016
What COMMONWEALTH NATIONAL BANK 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 | 57,762,000 | 56,123,000 | 55,863,000 | 56,759,000 |
| Total loans | 25,957,000 | 24,590,000 | 23,646,000 | 23,360,000 |
| Allowance for loan losses | 637,000 | 639,000 | 630,000 | 500,000 |
| Securities available for sale | 18,563,000 | 19,198,000 | 18,508,000 | 18,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,424,000 | 51,437,000 | 51,044,000 | 52,589,000 |
| Interest-bearing deposits | 40,747,000 | 38,980,000 | 38,825,000 | 37,280,000 |
| Noninterest-bearing deposits | 12,677,000 | 12,457,000 | 12,219,000 | 15,309,000 |
| Equity capital | 4,222,000 | 4,473,000 | 4,609,000 | 4,047,000 |
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 | 434,000 | 995,000 | 1,550,000 | 2,001,000 |
| Interest expense | 11,000 | 24,000 | 34,000 | 45,000 |
| Net interest income | 423,000 | 971,000 | 1,516,000 | 1,956,000 |
| Noninterest income | 151,000 | 252,000 | 479,000 | 587,000 |
| Noninterest expense | 642,000 | 1,219,000 | 1,840,000 | 2,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -68,000 | 17,000 | 196,000 | 145,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 6,000 |
| Net income | -69,000 | 14,000 | 191,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,007,000 | 4,090,000 | 4,267,000 | 4,290,000 |
| Total capital | 4,507,000 | 4,581,000 | 4,535,000 | 4,566,000 |
| Risk-weighted assets | 23,635,000 | 22,945,000 | 21,126,000 | 21,852,000 |
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