Call reports 2023
COMMERCIAL BANK, THE — 2023
What COMMERCIAL BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 233,908,000 | 235,039,000 | 228,531,000 | 248,822,000 |
| Total loans | 88,044,000 | 88,417,000 | 90,940,000 | 99,356,000 |
| Allowance for loan losses | 1,892,000 | 1,968,000 | 1,895,000 | 2,232,000 |
| Securities available for sale | 120,486,000 | 116,777,000 | 111,725,000 | 113,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,814,000 | 223,938,000 | 215,402,000 | 232,169,000 |
| Interest-bearing deposits | 160,785,000 | 161,766,000 | 162,382,000 | 171,862,000 |
| Noninterest-bearing deposits | 60,029,000 | 62,172,000 | 53,020,000 | 60,307,000 |
| Equity capital | 11,166,000 | 9,911,000 | 10,708,000 | 12,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,646,000 | 5,403,000 | 8,231,000 | 11,206,000 |
| Interest expense | 541,000 | 1,190,000 | 1,946,000 | 2,872,000 |
| Net interest income | 2,105,000 | 4,213,000 | 6,285,000 | 8,334,000 |
| Noninterest income | 220,000 | 456,000 | 4,621,000 | 5,298,000 |
| Noninterest expense | 1,495,000 | 2,971,000 | 4,477,000 | 5,954,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 540,000 |
| Pretax income | 785,000 | 1,608,000 | 6,294,000 | 7,138,000 |
| Income tax | 160,000 | 325,000 | 1,461,000 | 1,615,000 |
| Net income | 625,000 | 1,283,000 | 4,833,000 | 5,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,369,000 | 25,152,000 | 28,702,000 | 27,892,000 |