Call reports 2025
COMMERCIAL BANK — 2025
What COMMERCIAL 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 | 570,139,000 | 551,581,000 | 547,203,000 | 553,680,000 |
| Total loans | 390,576,000 | 383,770,000 | 377,671,000 | 371,328,000 |
| Allowance for loan losses | 3,482,000 | 3,432,000 | 3,413,000 | 3,386,000 |
| Securities available for sale | 79,764,000 | 76,620,000 | 83,425,000 | 90,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,759,000 | 489,774,000 | 486,603,000 | 478,002,000 |
| Interest-bearing deposits | 397,080,000 | 374,480,000 | 370,636,000 | 360,354,000 |
| Noninterest-bearing deposits | 110,679,000 | 115,294,000 | 115,967,000 | 117,648,000 |
| Equity capital | 55,790,000 | 55,224,000 | 56,844,000 | 57,426,000 |
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 | 6,475,000 | 13,017,000 | 19,585,000 | 26,082,000 |
| Interest expense | 1,481,000 | 2,930,000 | 4,246,000 | 5,384,000 |
| Net interest income | 4,994,000 | 10,087,000 | 15,339,000 | 20,698,000 |
| Noninterest income | 459,000 | 980,000 | 1,521,000 | 2,045,000 |
| Noninterest expense | 3,512,000 | 7,029,000 | 10,492,000 | 14,021,000 |
| Provision for loan losses | 0 | -40,000 | -60,000 | -77,000 |
| Pretax income | 1,941,000 | 4,072,000 | 6,424,000 | 8,741,000 |
| Income tax | 348,000 | 736,000 | 1,168,000 | 1,587,000 |
| Net income | 1,593,000 | 3,336,000 | 5,256,000 | 7,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,740,000 | 59,973,000 | 60,222,000 | 60,468,000 |
| Total capital | 63,250,000 | 63,438,000 | 63,666,000 | 63,883,000 |
| Risk-weighted assets | 368,260,000 | 363,377,000 | 358,588,000 | 349,091,000 |