Call reports 2025
COMMERCIAL BANK, THE — 2025
What COMMERCIAL BANK, THE 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 | 111,832,000 | 111,961,000 | 108,150,000 | 111,521,000 |
| Total loans | 44,840,000 | 45,066,000 | 45,311,000 | 45,001,000 |
| Allowance for loan losses | 621,000 | 617,000 | 617,000 | 552,000 |
| Securities available for sale | 54,520,000 | 54,191,000 | 56,357,000 | 56,176,000 |
| Securities held to maturity | 750,000 | 750,000 | 750,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,568,000 | 100,342,000 | 94,034,000 | 96,371,000 |
| Interest-bearing deposits | 79,955,000 | 76,392,000 | 73,854,000 | 73,425,000 |
| Noninterest-bearing deposits | 19,613,000 | 23,950,000 | 20,180,000 | 22,946,000 |
| Equity capital | 9,349,000 | 8,795,000 | 9,694,000 | 10,298,000 |
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 | 1,381,000 | 2,828,000 | 4,351,000 | 5,830,000 |
| Interest expense | 508,000 | 1,015,000 | 1,539,000 | 2,051,000 |
| Net interest income | 873,000 | 1,813,000 | 2,812,000 | 3,779,000 |
| Noninterest income | 36,000 | 72,000 | 108,000 | 143,000 |
| Noninterest expense | 464,000 | 915,000 | 1,415,000 | 1,995,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 435,000 | 960,000 | 1,495,000 | 1,963,000 |
| Income tax | 60,000 | 130,000 | 230,000 | 269,000 |
| Net income | 375,000 | 830,000 | 1,265,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,315,000 | 11,155,000 | 11,138,000 | 11,520,000 |