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 | 209,318,000 | 214,044,000 | 213,850,000 | 217,167,000 |
| Total loans | 137,128,000 | 141,040,000 | 152,009,000 | 152,544,000 |
| Allowance for loan losses | 1,181,000 | 1,288,000 | 1,307,000 | 1,319,000 |
| Securities available for sale | 47,194,000 | 40,888,000 | 40,346,000 | 40,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,853,000 | 178,353,000 | 175,867,000 | 180,036,000 |
| Interest-bearing deposits | 127,990,000 | 131,306,000 | 133,106,000 | 133,588,000 |
| Noninterest-bearing deposits | 43,863,000 | 47,047,000 | 42,761,000 | 46,448,000 |
| Equity capital | 19,144,000 | 19,568,000 | 20,633,000 | 20,196,000 |
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 | 2,608,000 | 5,397,000 | 8,321,000 | 11,276,000 |
| Interest expense | 947,000 | 1,936,000 | 2,972,000 | 4,005,000 |
| Net interest income | 1,661,000 | 3,461,000 | 5,349,000 | 7,271,000 |
| Noninterest income | 208,000 | 439,000 | 646,000 | 859,000 |
| Noninterest expense | 1,292,000 | 2,610,000 | 3,922,000 | 5,290,000 |
| Provision for loan losses | 33,000 | 143,000 | 203,000 | 263,000 |
| Pretax income | 545,000 | 1,148,000 | 1,871,000 | 2,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 545,000 | 1,148,000 | 1,871,000 | 2,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,230,000 | 21,382,000 | 21,855,000 | 21,063,000 |
| Total capital | 22,411,000 | 22,670,000 | 23,162,000 | 22,382,000 |
| Risk-weighted assets | 129,330,000 | 131,497,000 | 136,311,000 | 136,253,000 |