Call reports 2025
COMMERCIAL BANKING COMPANY — 2025
What COMMERCIAL BANKING 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 | 360,817,000 | 356,701,000 | 373,855,000 | 372,716,000 |
| Total loans | 247,879,000 | 260,899,000 | 274,963,000 | 289,156,000 |
| Allowance for loan losses | 3,574,000 | 3,620,000 | 3,761,000 | 3,777,000 |
| Securities available for sale | 40,276,000 | 39,483,000 | 39,184,000 | 39,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,412,000 | 316,433,000 | 334,876,000 | 327,936,000 |
| Interest-bearing deposits | 194,374,000 | 192,731,000 | 204,349,000 | 212,780,000 |
| Noninterest-bearing deposits | 128,038,000 | 123,702,000 | 130,527,000 | 115,156,000 |
| Equity capital | 34,460,000 | 36,236,000 | 34,962,000 | 36,878,000 |
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 | 5,050,000 | 10,308,000 | 15,918,000 | 21,758,000 |
| Interest expense | 1,053,000 | 2,139,000 | 3,409,000 | 4,590,000 |
| Net interest income | 3,997,000 | 8,169,000 | 12,509,000 | 17,168,000 |
| Noninterest income | 671,000 | 1,436,000 | 2,424,000 | 3,445,000 |
| Noninterest expense | 2,802,000 | 5,651,000 | 8,576,000 | 12,112,000 |
| Provision for loan losses | 45,000 | 90,000 | 215,000 | 230,000 |
| Pretax income | 1,821,000 | 3,864,000 | 6,142,000 | 8,271,000 |
| Income tax | 393,000 | 833,000 | 1,331,000 | 1,851,000 |
| Net income | 1,428,000 | 3,031,000 | 4,811,000 | 6,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,947,000 | 39,551,000 | 37,831,000 | 39,440,000 |
| Total capital | 40,832,000 | 42,592,000 | 41,054,000 | 42,775,000 |
| Risk-weighted assets | 230,165,000 | 242,705,000 | 257,354,000 | 266,377,000 |