Call reports 2025
COMMERCIAL BANK, THE — 2025
What COMMERCIAL BANK, THE 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 | 261,603,000 | 260,853,000 | 260,226,000 | 263,549,000 |
| Total loans | 92,810,000 | 95,896,000 | 97,044,000 | 101,666,000 |
| Allowance for loan losses | 1,207,000 | 1,211,000 | 1,207,000 | 1,147,000 |
| Securities available for sale | 3,025,000 | 5,412,000 | 6,430,000 | 6,098,000 |
| Securities held to maturity | 125,386,000 | 125,495,000 | 125,637,000 | 125,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,210,000 | 238,791,000 | 237,483,000 | 232,332,000 |
| Interest-bearing deposits | 170,664,000 | 166,998,000 | 165,586,000 | 166,098,000 |
| Noninterest-bearing deposits | 69,546,000 | 71,793,000 | 71,897,000 | 66,234,000 |
| Equity capital | 19,814,000 | 20,448,000 | 21,346,000 | 22,010,000 |
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 | 2,348,000 | 4,721,000 | 7,191,000 | 9,655,000 |
| Interest expense | 598,000 | 1,189,000 | 1,757,000 | 2,340,000 |
| Net interest income | 1,750,000 | 3,532,000 | 5,434,000 | 7,315,000 |
| Noninterest income | 369,000 | 720,000 | 1,072,000 | 1,420,000 |
| Noninterest expense | 1,591,000 | 3,236,000 | 4,921,000 | 6,573,000 |
| Provision for loan losses | 9,000 | 21,000 | 27,000 | -15,000 |
| Pretax income | 519,000 | 995,000 | 1,558,000 | 2,177,000 |
| Income tax | 22,000 | 42,000 | 66,000 | 92,000 |
| Net income | 497,000 | 953,000 | 1,492,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,289,000 | 34,485,000 | 34,763,000 | 35,006,000 |
| Total capital | 35,606,000 | 35,806,000 | 36,080,000 | 36,263,000 |
| Risk-weighted assets | 118,121,000 | 116,581,000 | 117,739,000 | 121,483,000 |