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 | 364,781,000 | 364,247,000 | 352,888,000 | 354,337,000 |
| Total loans | 168,515,000 | 173,279,000 | 176,127,000 | 173,933,000 |
| Allowance for loan losses | 2,719,000 | 2,674,000 | 2,632,000 | 2,598,000 |
| Securities available for sale | 175,319,000 | 170,207,000 | 155,721,000 | 158,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,726,000 | 331,151,000 | 323,174,000 | 329,553,000 |
| Interest-bearing deposits | 274,402,000 | 270,291,000 | 264,389,000 | 268,727,000 |
| Noninterest-bearing deposits | 60,324,000 | 60,860,000 | 58,785,000 | 60,826,000 |
| Equity capital | 22,612,000 | 20,526,000 | 17,354,000 | 22,933,000 |
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 | 3,134,000 | 6,368,000 | 9,732,000 | 13,160,000 |
| Interest expense | 436,000 | 1,028,000 | 1,877,000 | 2,749,000 |
| Net interest income | 2,698,000 | 5,340,000 | 7,855,000 | 10,411,000 |
| Noninterest income | 875,000 | 1,540,000 | 2,211,000 | 3,091,000 |
| Noninterest expense | 2,378,000 | 4,904,000 | 7,496,000 | 10,078,000 |
| Provision for loan losses | -137,000 | -136,000 | -135,000 | -133,000 |
| Pretax income | 1,384,000 | 2,107,000 | 2,566,000 | 3,742,000 |
| Income tax | 61,000 | 92,000 | 112,000 | 93,000 |
| Net income | 1,323,000 | 2,015,000 | 2,454,000 | 3,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,976,000 | 35,168,000 | 35,607,000 | 35,302,000 |
| Total capital | 38,684,000 | 37,910,000 | 38,391,000 | 38,044,000 |
| Risk-weighted assets | 216,555,000 | 219,355,000 | 222,702,000 | 219,347,000 |