Call reports 2019
COMMONWEALTH NATIONAL BANK — 2019
What COMMONWEALTH NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 48,556,000 | 48,829,000 | 48,619,000 | 48,837,000 |
| Total loans | 17,103,000 | 16,702,000 | 16,144,000 | 16,612,000 |
| Allowance for loan losses | 470,000 | 469,000 | 502,000 | 568,000 |
| Securities available for sale | 16,215,000 | 16,859,000 | 17,097,000 | 16,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,580,000 | 43,590,000 | 43,107,000 | 43,663,000 |
| Interest-bearing deposits | 34,228,000 | 33,341,000 | 32,757,000 | 33,681,000 |
| Noninterest-bearing deposits | 10,351,000 | 10,248,000 | 10,350,000 | 9,982,000 |
| Equity capital | 3,772,000 | 5,016,000 | 5,225,000 | 5,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 439,000 | 880,000 | 1,313,000 | 1,520,000 |
| Interest expense | 19,000 | 38,000 | 57,000 | 77,000 |
| Net interest income | 420,000 | 842,000 | 1,256,000 | 1,443,000 |
| Noninterest income | 133,000 | 285,000 | 364,000 | 390,000 |
| Noninterest expense | 525,000 | 1,011,000 | 1,536,000 | 2,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 91,000 | 58,000 | -211,000 |
| Income tax | 2,000 | 2,000 | 3,000 | 5,000 |
| Net income | 14,000 | 89,000 | 55,000 | -216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,011,000 | 5,093,000 | 5,335,000 | 5,066,000 |
| Total capital | 4,193,000 | 5,276,000 | 5,504,000 | 5,239,000 |
| Risk-weighted assets | 14,214,000 | 14,412,000 | 13,094,000 | 13,427,000 |