Call report 2022Q4
COMMENCEMENT BANK — 2022Q4
The 22 measures COMMENCEMENT BANK reported to the FFIEC for 2022Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 580,803,000 | USD | evidence → |
| Total loans | 429,464,000 | USD | evidence → |
| Allowance for loan losses | 4,978,000 | USD | evidence → |
| Securities available for sale | 110,037,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 502,600,000 | USD | evidence → |
| Interest-bearing deposits | 328,957,000 | USD | evidence → |
| Noninterest-bearing deposits | 173,643,000 | USD | evidence → |
| Equity capital | 46,494,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 19,813,000 | USD | evidence → |
| Interest expense | 1,421,000 | USD | evidence → |
| Net interest income | 18,392,000 | USD | evidence → |
| Noninterest income | 1,528,000 | USD | evidence → |
| Noninterest expense | 12,888,000 | USD | evidence → |
| Provision for loan losses | 275,000 | USD | evidence → |
| Pretax income | 6,757,000 | USD | evidence → |
| Income tax | 1,250,000 | USD | evidence → |
| Net income | 5,507,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 57,525,000 | USD | evidence → |
| Total capital | 62,680,000 | USD | evidence → |
| Risk-weighted assets | 449,398,000 | USD | evidence → |