Call reports 2023
COMMERCIAL BANK — 2023
What COMMERCIAL BANK 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 | 299,283,000 | 289,549,000 | 282,931,000 | 286,608,000 |
| Total loans | 172,410,000 | 173,858,000 | 172,196,000 | 174,259,000 |
| Allowance for loan losses | 2,247,000 | 2,281,000 | 2,107,000 | 2,133,000 |
| Securities available for sale | 94,129,000 | 90,600,000 | 84,669,000 | 87,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,043,000 | 256,681,000 | 252,788,000 | 244,277,000 |
| Interest-bearing deposits | 185,483,000 | 186,763,000 | 184,845,000 | 177,746,000 |
| Noninterest-bearing deposits | 69,560,000 | 69,918,000 | 67,943,000 | 66,531,000 |
| Equity capital | 10,153,000 | 9,331,000 | 6,673,000 | 11,059,000 |
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 | 2,880,000 | 5,915,000 | 8,914,000 | 12,020,000 |
| Interest expense | 959,000 | 2,075,000 | 3,245,000 | 4,468,000 |
| Net interest income | 1,921,000 | 3,840,000 | 5,669,000 | 7,552,000 |
| Noninterest income | 274,000 | 522,000 | 901,000 | 1,046,000 |
| Noninterest expense | 1,832,000 | 3,754,000 | 5,737,000 | 7,653,000 |
| Provision for loan losses | -30,000 | -30,000 | -55,000 | -54,000 |
| Pretax income | 54,000 | 299,000 | 524,000 | 578,000 |
| Income tax | 1,000 | 46,000 | 90,000 | 84,000 |
| Net income | 53,000 | 253,000 | 434,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,300,000 | 21,500,000 | 21,680,000 | 21,741,000 |
| Total capital | 23,547,000 | 23,781,000 | 23,787,000 | 23,874,000 |
| Risk-weighted assets | 204,832,000 | 210,925,000 | 210,525,000 | 211,113,000 |