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 | 2,245,139,000 | 2,238,247,000 | 2,189,861,000 | 2,268,810,000 |
| Total loans | 1,782,687,000 | 1,778,732,000 | 1,754,590,000 | 1,861,113,000 |
| Allowance for loan losses | 18,110,000 | 17,989,000 | 17,942,000 | 18,096,000 |
| Securities available for sale | 48,830,000 | 30,114,000 | 29,556,000 | 43,138,000 |
| Securities held to maturity | 140,019,000 | 157,451,000 | 131,915,000 | 97,728,000 |
| Trading assets | 17,952,000 | 15,468,000 | 14,328,000 | 14,131,000 |
| Total deposits | 1,902,775,000 | 1,851,306,000 | 1,780,671,000 | 1,856,788,000 |
| Interest-bearing deposits | 1,482,689,000 | 1,434,233,000 | 1,381,919,000 | 1,417,548,000 |
| Noninterest-bearing deposits | 420,086,000 | 417,073,000 | 398,752,000 | 439,240,000 |
| Equity capital | 243,270,000 | 252,003,000 | 260,955,000 | 240,934,000 |
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 | 30,689,000 | 61,471,000 | 91,466,000 | 121,368,000 |
| Interest expense | 10,767,000 | 20,966,000 | 30,130,000 | 39,032,000 |
| Net interest income | 19,922,000 | 40,505,000 | 61,336,000 | 82,336,000 |
| Noninterest income | 2,269,000 | 4,591,000 | 7,142,000 | 9,606,000 |
| Noninterest expense | 10,225,000 | 20,461,000 | 30,983,000 | 41,097,000 |
| Provision for loan losses | 0 | 0 | 0 | 415,000 |
| Pretax income | 11,966,000 | 24,635,000 | 37,495,000 | 50,382,000 |
| Income tax | 2,910,000 | 5,433,000 | 8,262,000 | 10,736,000 |
| Net income | 9,056,000 | 19,202,000 | 29,233,000 | 39,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 240,599,000 | 249,436,000 | 257,886,000 | 238,082,000 |
| Total capital | 258,778,000 | 267,495,000 | 275,898,000 | 256,296,000 |
| Risk-weighted assets | 1,846,524,000 | 1,834,162,000 | 1,820,367,000 | 1,897,634,000 |