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 | 62,238,000 | 62,568,000 | 62,795,000 | 65,283,000 |
| Total loans | 36,480,000 | 38,064,000 | 38,735,000 | 41,503,000 |
| Allowance for loan losses | 760,000 | 474,000 | 549,000 | 575,000 |
| Securities available for sale | 13,597,000 | 13,717,000 | 13,221,000 | 12,554,000 |
| Securities held to maturity | 8,883,000 | 9,050,000 | 8,462,000 | 8,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,538,000 | 55,738,000 | 56,246,000 | 58,288,000 |
| Interest-bearing deposits | 44,353,000 | 44,989,000 | 45,376,000 | 47,913,000 |
| Noninterest-bearing deposits | 11,185,000 | 10,749,000 | 10,870,000 | 10,375,000 |
| Equity capital | 6,489,000 | 6,483,000 | 6,247,000 | 6,848,000 |
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 | 798,000 | 1,601,000 | 2,484,000 | 3,380,000 |
| Interest expense | 132,000 | 267,000 | 500,000 | 743,000 |
| Net interest income | 666,000 | 1,334,000 | 1,984,000 | 2,637,000 |
| Noninterest income | 22,000 | 42,000 | 63,000 | 85,000 |
| Noninterest expense | 402,000 | 803,000 | 1,201,000 | 1,603,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 251,000 |
| Pretax income | 211,000 | 414,000 | 612,000 | 859,000 |
| Income tax | 34,000 | 55,000 | 80,000 | 118,000 |
| Net income | 177,000 | 359,000 | 532,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,902,000 | 8,084,000 | 8,082,000 | 8,291,000 |
| Total capital | 8,486,000 | 8,560,000 | 8,631,000 | 8,866,000 |
| Risk-weighted assets | 46,591,000 | 49,137,000 | 50,259,000 | 51,757,000 |