Call reports 2025
COMMUNITY BANK, THE — 2025
What COMMUNITY 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 | 178,338,000 | 180,764,000 | 191,693,000 | 197,951,000 |
| Total loans | 112,596,000 | 115,843,000 | 119,368,000 | 116,175,000 |
| Allowance for loan losses | 915,000 | 935,000 | 971,000 | 1,019,000 |
| Securities available for sale | 38,868,000 | 40,012,000 | 41,451,000 | 47,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,861,000 | 163,389,000 | 173,022,000 | 178,350,000 |
| Interest-bearing deposits | 110,361,000 | 114,022,000 | 121,650,000 | 125,055,000 |
| Noninterest-bearing deposits | 51,500,000 | 49,367,000 | 51,372,000 | 53,295,000 |
| Equity capital | 14,851,000 | 15,743,000 | 16,909,000 | 17,864,000 |
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 | 2,612,000 | 5,325,000 | 8,104,000 | 10,963,000 |
| Interest expense | 691,000 | 1,431,000 | 2,240,000 | 3,108,000 |
| Net interest income | 1,921,000 | 3,894,000 | 5,864,000 | 7,855,000 |
| Noninterest income | 289,000 | 587,000 | 881,000 | 1,176,000 |
| Noninterest expense | 1,367,000 | 2,807,000 | 4,296,000 | 5,765,000 |
| Provision for loan losses | 22,000 | 45,000 | 86,000 | 132,000 |
| Pretax income | 821,000 | 1,629,000 | 2,378,000 | 3,149,000 |
| Income tax | 159,000 | 314,000 | 456,000 | 604,000 |
| Net income | 662,000 | 1,315,000 | 1,922,000 | 2,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,414,000 | 20,067,000 | 20,674,000 | 21,297,000 |
| Total capital | 20,374,000 | 21,047,000 | 21,675,000 | 22,346,000 |
| Risk-weighted assets | 115,665,000 | 118,118,000 | 123,926,000 | 119,739,000 |