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 | 59,331,000 | 58,035,000 | 57,887,000 | 60,314,000 |
| Total loans | 36,692,000 | 38,012,000 | 40,785,000 | 42,553,000 |
| Allowance for loan losses | 557,000 | 569,000 | 584,000 | 471,000 |
| Securities available for sale | 8,399,000 | 8,202,000 | 8,076,000 | 7,720,000 |
| Securities held to maturity | 8,172,000 | 7,982,000 | 7,424,000 | 7,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,932,000 | 50,520,000 | 50,169,000 | 52,101,000 |
| Interest-bearing deposits | 42,509,000 | 43,092,000 | 42,341,000 | 43,395,000 |
| Noninterest-bearing deposits | 9,423,000 | 7,428,000 | 7,828,000 | 8,706,000 |
| Equity capital | 7,183,000 | 7,279,000 | 7,429,000 | 7,738,000 |
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 | 831,000 | 1,674,000 | 2,568,000 | 3,446,000 |
| Interest expense | 266,000 | 551,000 | 839,000 | 1,112,000 |
| Net interest income | 565,000 | 1,123,000 | 1,729,000 | 2,334,000 |
| Noninterest income | 24,000 | 35,000 | 47,000 | 63,000 |
| Noninterest expense | 461,000 | 877,000 | 1,313,000 | 1,605,000 |
| Provision for loan losses | 66,000 | 78,000 | 93,000 | 130,000 |
| Pretax income | 62,000 | 203,000 | 370,000 | 662,000 |
| Income tax | 24,000 | 46,000 | 21,000 | 27,000 |
| Net income | 38,000 | 157,000 | 349,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,310,000 | 8,429,000 | 8,396,000 | 8,682,000 |
| Total capital | 8,867,000 | 8,998,000 | 8,980,000 | 9,153,000 |
| Risk-weighted assets | 48,912,000 | 47,706,000 | 48,097,000 | 49,921,000 |