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 | 1,092,505,000 | 1,108,214,000 | 1,102,544,000 | 1,089,051,000 |
| Total loans | 582,638,000 | 596,044,000 | 610,353,000 | 621,742,000 |
| Allowance for loan losses | 8,081,000 | 8,189,000 | 8,395,000 | 8,538,000 |
| Securities available for sale | 214,752,000 | 216,112,000 | 211,846,000 | 208,672,000 |
| Securities held to maturity | 121,279,000 | 119,472,000 | 118,641,000 | 117,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,002,002,000 | 1,012,171,000 | 999,789,000 | 985,322,000 |
| Interest-bearing deposits | 776,372,000 | 804,664,000 | 785,886,000 | 779,443,000 |
| Noninterest-bearing deposits | 225,630,000 | 207,507,000 | 213,903,000 | 205,879,000 |
| Equity capital | 82,229,000 | 86,971,000 | 93,096,000 | 94,139,000 |
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 | 12,259,000 | 25,177,000 | 38,283,000 | 51,341,000 |
| Interest expense | 4,348,000 | 8,795,000 | 13,297,000 | 17,424,000 |
| Net interest income | 7,911,000 | 16,382,000 | 24,986,000 | 33,917,000 |
| Noninterest income | 3,084,000 | 5,845,000 | 9,679,000 | 12,577,000 |
| Noninterest expense | 8,065,000 | 16,195,000 | 24,412,000 | 31,328,000 |
| Provision for loan losses | 100,000 | 269,000 | 480,000 | 645,000 |
| Pretax income | 2,684,000 | 5,702,000 | 9,727,000 | 14,474,000 |
| Income tax | 57,000 | 145,000 | 290,000 | 466,000 |
| Net income | 2,627,000 | 5,557,000 | 9,437,000 | 14,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,081,000 | 124,902,000 | 127,679,000 | 126,252,000 |
| Total capital | 130,976,000 | 132,957,000 | 135,995,000 | 134,534,000 |
| Risk-weighted assets | 630,791,000 | 643,688,000 | 664,740,000 | 661,826,000 |