Call reports 2025
COMMERCIAL BANK & TRUST OF PA — 2025
What COMMERCIAL BANK & TRUST OF PA 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 | 369,636,000 | 367,167,000 | 371,286,000 | 362,357,000 |
| Total loans | 178,819,000 | 176,902,000 | 174,166,000 | 169,951,000 |
| Allowance for loan losses | 865,000 | 865,000 | 865,000 | 804,000 |
| Securities available for sale | 152,374,000 | 150,018,000 | 155,422,000 | 155,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,414,000 | 300,443,000 | 305,311,000 | 305,506,000 |
| Interest-bearing deposits | 157,061,000 | 147,616,000 | 149,258,000 | 154,967,000 |
| Noninterest-bearing deposits | 147,353,000 | 152,827,000 | 156,053,000 | 150,539,000 |
| Equity capital | 33,574,000 | 31,932,000 | 35,412,000 | 36,625,000 |
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 | 3,608,000 | 7,192,000 | 10,743,000 | 14,285,000 |
| Interest expense | 457,000 | 843,000 | 1,216,000 | 1,504,000 |
| Net interest income | 3,151,000 | 6,349,000 | 9,527,000 | 12,781,000 |
| Noninterest income | 702,000 | 1,395,000 | 2,100,000 | 2,798,000 |
| Noninterest expense | 3,419,000 | 6,861,000 | 10,311,000 | 13,801,000 |
| Provision for loan losses | 0 | 0 | 0 | -62,000 |
| Pretax income | 420,000 | 869,000 | 1,301,000 | 1,827,000 |
| Income tax | -18,000 | -32,000 | -51,000 | -53,000 |
| Net income | 438,000 | 901,000 | 1,352,000 | 1,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,993,000 | 57,142,000 | 56,277,000 | 56,492,000 |
| Total capital | 57,858,000 | 58,007,000 | 57,142,000 | 57,296,000 |
| Risk-weighted assets | 226,231,000 | 224,915,000 | 222,502,000 | 218,032,000 |