Call reports 2025
COMMONWEALTH BUSINESS BANK — 2025
What COMMONWEALTH BUSINESS BANK 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 | 1,814,029,000 | 1,814,740,000 | 1,962,373,000 | 2,006,978,000 |
| Total loans | 1,450,605,000 | 1,462,102,000 | 1,447,632,000 | 1,462,839,000 |
| Allowance for loan losses | 14,850,000 | 15,461,000 | 16,151,000 | 16,345,000 |
| Securities available for sale | 53,260,000 | 52,645,000 | 54,737,000 | 53,028,000 |
| Securities held to maturity | 8,261,000 | 12,873,000 | 12,722,000 | 12,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,477,925,000 | 1,525,477,000 | 1,666,738,000 | 1,707,699,000 |
| Interest-bearing deposits | 1,180,374,000 | 1,214,525,000 | 1,384,685,000 | 1,404,070,000 |
| Noninterest-bearing deposits | 297,551,000 | 310,952,000 | 282,053,000 | 303,629,000 |
| Equity capital | 257,714,000 | 261,326,000 | 265,026,000 | 268,380,000 |
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 | 27,467,000 | 54,859,000 | 83,197,000 | 113,066,000 |
| Interest expense | 12,644,000 | 24,989,000 | 37,597,000 | 51,808,000 |
| Net interest income | 14,823,000 | 29,870,000 | 45,600,000 | 61,258,000 |
| Noninterest income | 2,116,000 | 4,198,000 | 6,049,000 | 7,866,000 |
| Noninterest expense | 10,014,000 | 20,054,000 | 30,654,000 | 41,497,000 |
| Provision for loan losses | 430,000 | 1,020,000 | 1,520,000 | 1,730,000 |
| Pretax income | 6,425,000 | 12,924,000 | 19,435,000 | 25,767,000 |
| Income tax | 1,811,000 | 3,738,000 | 5,550,000 | 7,237,000 |
| Net income | 4,614,000 | 9,186,000 | 13,885,000 | 18,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 255,063,000 | 258,609,000 | 262,190,000 | 265,538,000 |
| Total capital | 270,144,000 | 274,301,000 | 278,542,000 | 282,174,000 |
| Risk-weighted assets | 1,338,949,000 | 1,365,550,000 | 1,363,899,000 | 1,397,102,000 |