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 | 371,419,000 | 366,158,000 | 361,772,000 | 377,201,000 |
| Total loans | 170,160,000 | 170,696,000 | 173,048,000 | 172,626,000 |
| Allowance for loan losses | 2,322,000 | 2,329,000 | 2,377,000 | 2,175,000 |
| Securities available for sale | 156,851,000 | 162,767,000 | 159,236,000 | 168,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,778,000 | 339,408,000 | 331,345,000 | 343,699,000 |
| Interest-bearing deposits | 280,030,000 | 273,499,000 | 261,741,000 | 274,634,000 |
| Noninterest-bearing deposits | 64,748,000 | 65,909,000 | 69,604,000 | 69,065,000 |
| Equity capital | 24,876,000 | 24,652,000 | 28,791,000 | 31,477,000 |
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 | 3,917,000 | 7,896,000 | 11,844,000 | 15,930,000 |
| Interest expense | 1,051,000 | 2,098,000 | 3,089,000 | 4,149,000 |
| Net interest income | 2,866,000 | 5,798,000 | 8,755,000 | 11,781,000 |
| Noninterest income | 1,105,000 | 1,962,000 | 3,721,000 | 4,748,000 |
| Noninterest expense | 2,584,000 | 5,203,000 | 8,002,000 | 10,585,000 |
| Provision for loan losses | -85,000 | -58,000 | 8,000 | 42,000 |
| Pretax income | 1,882,000 | 3,286,000 | 5,487,000 | 7,661,000 |
| Income tax | 82,000 | 125,000 | 213,000 | 312,000 |
| Net income | 1,800,000 | 3,161,000 | 5,274,000 | 7,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,107,000 | 33,468,000 | 35,581,000 | 37,656,000 |
| Total capital | 37,541,000 | 35,933,000 | 38,119,000 | 39,992,000 |
| Risk-weighted assets | 207,768,000 | 205,535,000 | 208,749,000 | 208,338,000 |