Call reports 2025
COMMONWEALTH NATIONAL BANK — 2025
What COMMONWEALTH NATIONAL 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 | 67,245,000 | 65,621,000 | 66,582,000 | 66,167,000 |
| Total loans | 25,314,000 | 25,856,000 | 25,554,000 | 26,386,000 |
| Allowance for loan losses | 552,000 | 566,000 | 566,000 | 555,000 |
| Securities available for sale | 28,310,000 | 30,933,000 | 31,027,000 | 27,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,505,000 | 56,793,000 | 57,323,000 | 56,774,000 |
| Interest-bearing deposits | 37,476,000 | 36,722,000 | 37,105,000 | 36,189,000 |
| Noninterest-bearing deposits | 21,029,000 | 20,071,000 | 20,218,000 | 20,585,000 |
| Equity capital | 8,484,000 | 8,674,000 | 9,095,000 | 9,231,000 |
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 | 665,000 | 1,359,000 | 2,074,000 | 2,848,000 |
| Interest expense | 103,000 | 210,000 | 313,000 | 420,000 |
| Net interest income | 562,000 | 1,149,000 | 1,761,000 | 2,428,000 |
| Noninterest income | 85,000 | 246,000 | 338,000 | 677,000 |
| Noninterest expense | 737,000 | 1,507,000 | 2,245,000 | 3,159,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -37,000 | -59,000 | -93,000 | 99,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 12,000 |
| Net income | -39,000 | -62,000 | -98,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,443,000 | 10,420,000 | 10,384,000 | 10,569,000 |
| Total capital | 10,801,000 | 10,806,000 | 10,766,000 | 10,964,000 |
| Risk-weighted assets | 28,462,000 | 30,673,000 | 30,407,000 | 31,473,000 |
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