Call reports 2025
COMMERCIAL BANK & TRUST COMPANY — 2025
What COMMERCIAL BANK & TRUST COMPANY 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 | 369,358,000 | 366,408,000 | 361,441,000 | 375,073,000 |
| Total loans | 236,633,000 | 239,888,000 | 238,965,000 | 249,752,000 |
| Allowance for loan losses | 2,455,000 | 2,656,000 | 2,768,000 | 2,821,000 |
| Securities available for sale | 108,552,000 | 103,134,000 | 102,493,000 | 102,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,769,000 | 335,954,000 | 333,497,000 | 339,067,000 |
| Interest-bearing deposits | 271,183,000 | 262,689,000 | 265,043,000 | 272,767,000 |
| Noninterest-bearing deposits | 71,586,000 | 73,265,000 | 68,454,000 | 66,300,000 |
| Equity capital | 19,880,000 | 21,218,000 | 24,169,000 | 24,836,000 |
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 | 4,441,000 | 8,851,000 | 13,419,000 | 18,043,000 |
| Interest expense | 2,056,000 | 4,134,000 | 6,117,000 | 8,106,000 |
| Net interest income | 2,385,000 | 4,717,000 | 7,302,000 | 9,937,000 |
| Noninterest income | 584,000 | 1,143,000 | 1,754,000 | 2,317,000 |
| Noninterest expense | 2,066,000 | 4,132,000 | 6,357,000 | 8,598,000 |
| Provision for loan losses | 295,000 | 512,000 | 740,000 | 1,042,000 |
| Pretax income | 608,000 | 1,216,000 | 1,959,000 | 2,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 608,000 | 1,216,000 | 1,959,000 | 2,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,187,000 | 40,786,000 | 40,608,000 | 40,464,000 |
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