Call reports 2025
COMMERCIAL BANK — 2025
What COMMERCIAL 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 | 280,697,000 | 285,394,000 | 275,219,000 | 278,066,000 |
| Total loans | 179,306,000 | 179,608,000 | 181,532,000 | 187,817,000 |
| Allowance for loan losses | 2,082,000 | 2,061,000 | 2,184,000 | 2,257,000 |
| Securities available for sale | 79,458,000 | 78,432,000 | 74,857,000 | 70,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,223,000 | 250,192,000 | 245,472,000 | 242,817,000 |
| Interest-bearing deposits | 191,504,000 | 188,881,000 | 185,242,000 | 181,647,000 |
| Noninterest-bearing deposits | 60,719,000 | 61,311,000 | 60,230,000 | 61,170,000 |
| Equity capital | 12,345,000 | 13,267,000 | 14,395,000 | 15,130,000 |
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 | 3,172,000 | 6,477,000 | 9,864,000 | 13,253,000 |
| Interest expense | 1,135,000 | 2,240,000 | 3,337,000 | 4,365,000 |
| Net interest income | 2,037,000 | 4,237,000 | 6,527,000 | 8,888,000 |
| Noninterest income | 168,000 | 377,000 | 578,000 | 880,000 |
| Noninterest expense | 1,988,000 | 4,074,000 | 6,128,000 | 8,272,000 |
| Provision for loan losses | 15,000 | 110,000 | 170,000 | 225,000 |
| Pretax income | 202,000 | 430,000 | 804,000 | 1,140,000 |
| Income tax | 32,000 | 40,000 | 95,000 | 121,000 |
| Net income | 170,000 | 390,000 | 709,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,207,000 | 22,427,000 | 22,746,000 | 22,632,000 |
| Total capital | 24,289,000 | 24,487,000 | 24,985,000 | 24,944,000 |
| Risk-weighted assets | 209,714,000 | 208,608,000 | 207,020,000 | 208,984,000 |