Call reports 2025
COMMERCEONE BANK — 2025
What COMMERCEONE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 779,786,000 | 762,721,000 | 838,987,000 | 839,740,000 |
| Total loans | 627,813,000 | 655,779,000 | 692,479,000 | 711,704,000 |
| Allowance for loan losses | 7,534,000 | 7,869,000 | 8,310,000 | 8,568,000 |
| Securities available for sale | 48,404,000 | 45,120,000 | 45,797,000 | 44,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 701,683,000 | 672,310,000 | 743,382,000 | 719,928,000 |
| Interest-bearing deposits | 562,772,000 | 545,667,000 | 590,221,000 | 583,041,000 |
| Noninterest-bearing deposits | 138,911,000 | 126,643,000 | 153,161,000 | 136,887,000 |
| Equity capital | 76,977,000 | 79,230,000 | 83,596,000 | 86,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,141,000 | 24,646,000 | 37,261,000 | 50,226,000 |
| Interest expense | 5,195,000 | 10,242,000 | 15,402,000 | 20,064,000 |
| Net interest income | 6,946,000 | 14,404,000 | 21,859,000 | 30,162,000 |
| Noninterest income | 155,000 | 316,000 | 1,078,000 | 1,284,000 |
| Noninterest expense | 3,023,000 | 6,443,000 | 9,730,000 | 13,370,000 |
| Provision for loan losses | 132,000 | 461,000 | 818,000 | 1,076,000 |
| Pretax income | 3,899,000 | 7,713,000 | 12,317,000 | 16,862,000 |
| Income tax | 984,000 | 1,932,000 | 3,081,000 | 4,205,000 |
| Net income | 2,915,000 | 5,781,000 | 9,236,000 | 12,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,169,000 | 82,876,000 | 86,167,000 | 88,674,000 |
| Total capital | 88,090,000 | 91,187,000 | 94,888,000 | 97,720,000 |
| Risk-weighted assets | 656,439,000 | 686,028,000 | 730,099,000 | 757,993,000 |