Call reports 2023
COMMERCIAL BANK — 2023
What COMMERCIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 600,378,000 | 587,423,000 | 587,266,000 | 578,620,000 |
| Total loans | 423,195,000 | 421,267,000 | 414,450,000 | 417,404,000 |
| Allowance for loan losses | 3,881,000 | 3,869,000 | 3,647,000 | 3,570,000 |
| Securities available for sale | 92,840,000 | 87,110,000 | 90,057,000 | 88,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,310,000 | 515,631,000 | 516,376,000 | 509,423,000 |
| Interest-bearing deposits | 395,689,000 | 384,486,000 | 391,426,000 | 385,650,000 |
| Noninterest-bearing deposits | 133,621,000 | 131,145,000 | 124,950,000 | 123,773,000 |
| Equity capital | 49,590,000 | 50,128,000 | 48,973,000 | 52,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,076,000 | 12,356,000 | 18,812,000 | 25,392,000 |
| Interest expense | 1,164,000 | 2,683,000 | 4,321,000 | 6,084,000 |
| Net interest income | 4,912,000 | 9,673,000 | 14,491,000 | 19,308,000 |
| Noninterest income | 456,000 | 957,000 | 1,492,000 | 1,927,000 |
| Noninterest expense | 3,218,000 | 6,337,000 | 9,545,000 | 12,772,000 |
| Provision for loan losses | 105,000 | 90,000 | -125,000 | -200,000 |
| Pretax income | 2,044,000 | 4,199,000 | 6,561,000 | 8,643,000 |
| Income tax | 358,000 | 751,000 | 1,188,000 | 1,588,000 |
| Net income | 1,686,000 | 3,448,000 | 5,373,000 | 7,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,695,000 | 56,314,000 | 56,942,000 | 57,352,000 |
| Total capital | 59,592,000 | 60,202,000 | 60,606,000 | 60,957,000 |
| Risk-weighted assets | 395,770,000 | 395,670,000 | 389,042,000 | 391,269,000 |