Call report 2023Q4
COMMENCEMENT BANK — 2023Q4
The 22 measures COMMENCEMENT BANK reported to the FFIEC for 2023Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 585,965,000 | USD | evidence → |
| Total loans | 443,085,000 | USD | evidence → |
| Allowance for loan losses | 5,690,000 | USD | evidence → |
| Securities available for sale | 101,290,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 531,248,000 | USD | evidence → |
| Interest-bearing deposits | 376,168,000 | USD | evidence → |
| Noninterest-bearing deposits | 155,080,000 | USD | evidence → |
| Equity capital | 49,939,000 | 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 | 26,402,000 | USD | evidence → |
| Interest expense | 8,079,000 | USD | evidence → |
| Net interest income | 18,323,000 | USD | evidence → |
| Noninterest income | 1,327,000 | USD | evidence → |
| Noninterest expense | 15,932,000 | USD | evidence → |
| Provision for loan losses | 0 | USD | evidence → |
| Pretax income | 3,718,000 | USD | evidence → |
| Income tax | 630,000 | USD | evidence → |
| Net income | 3,088,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 60,981,000 | USD | evidence → |
| Total capital | 66,729,000 | USD | evidence → |
| Risk-weighted assets | 459,689,000 | USD | evidence → |