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 | 269,569,000 | 263,078,000 | 271,831,000 | 278,104,000 |
| Total loans | 131,595,000 | 139,948,000 | 147,795,000 | 152,129,000 |
| Allowance for loan losses | 2,346,000 | 2,429,000 | 2,424,000 | 2,543,000 |
| Securities available for sale | 103,626,000 | 100,184,000 | 100,910,000 | 98,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,071,000 | 247,615,000 | 244,283,000 | 251,733,000 |
| Interest-bearing deposits | 198,234,000 | 191,775,000 | 193,946,000 | 195,030,000 |
| Noninterest-bearing deposits | 55,837,000 | 55,840,000 | 50,337,000 | 56,703,000 |
| Equity capital | 14,019,000 | 13,796,000 | 16,512,000 | 17,426,000 |
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 | 3,371,000 | 6,849,000 | 10,544,000 | 14,397,000 |
| Interest expense | 1,350,000 | 2,641,000 | 4,015,000 | 5,468,000 |
| Net interest income | 2,021,000 | 4,208,000 | 6,529,000 | 8,929,000 |
| Noninterest income | 183,000 | 383,000 | 598,000 | 812,000 |
| Noninterest expense | 1,657,000 | 3,337,000 | 5,041,000 | 6,704,000 |
| Provision for loan losses | 60,000 | 185,000 | 335,000 | 485,000 |
| Pretax income | 487,000 | 1,069,000 | 1,751,000 | 2,552,000 |
| Income tax | 95,000 | 206,000 | 350,000 | 492,000 |
| Net income | 392,000 | 863,000 | 1,401,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,336,000 | 29,807,000 | 30,345,000 | 31,004,000 |