Call reports 2024
COMMERCIAL BANKING COMPANY — 2024
What COMMERCIAL BANKING COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 352,927,000 | 354,653,000 | 367,680,000 | 344,503,000 |
| Total loans | 225,745,000 | 229,863,000 | 237,015,000 | 238,427,000 |
| Allowance for loan losses | 3,442,000 | 3,472,000 | 3,501,000 | 3,533,000 |
| Securities available for sale | 46,408,000 | 45,495,000 | 44,894,000 | 41,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,293,000 | 316,816,000 | 329,344,000 | 308,453,000 |
| Interest-bearing deposits | 204,368,000 | 213,310,000 | 226,194,000 | 185,495,000 |
| Noninterest-bearing deposits | 112,925,000 | 103,506,000 | 103,150,000 | 122,958,000 |
| Equity capital | 33,125,000 | 34,506,000 | 34,636,000 | 32,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,747,000 | 9,695,000 | 14,786,000 | 20,129,000 |
| Interest expense | 752,000 | 1,621,000 | 2,731,000 | 3,812,000 |
| Net interest income | 3,995,000 | 8,074,000 | 12,055,000 | 16,317,000 |
| Noninterest income | 556,000 | 1,168,000 | 1,814,000 | 2,482,000 |
| Noninterest expense | 2,699,000 | 5,505,000 | 8,323,000 | 11,522,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,822,000 | 3,677,000 | 5,456,000 | 7,157,000 |
| Income tax | 380,000 | 751,000 | 1,069,000 | 1,361,000 |
| Net income | 1,442,000 | 2,926,000 | 4,387,000 | 5,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,166,000 | 38,650,000 | 37,611,000 | 36,519,000 |
| Total capital | 39,797,000 | 41,322,000 | 40,345,000 | 39,290,000 |
| Risk-weighted assets | 209,710,000 | 213,027,000 | 217,957,000 | 220,987,000 |