Call reports 2021
CLIMATE FIRST BANK — 2021
What CLIMATE FIRST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|
| Total assets | 52,716,000 | 86,768,000 | 124,459,000 |
| Total loans | 5,580,000 | 35,941,000 | 72,883,000 |
| Allowance for loan losses | 58,000 | 343,000 | 682,000 |
| Securities available for sale | 1,024,000 | 2,463,000 | 2,409,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 10,281,000 | 44,827,000 | 83,451,000 |
| Interest-bearing deposits | 9,802,000 | 28,556,000 | 59,968,000 |
| Noninterest-bearing deposits | 479,000 | 16,271,000 | 23,483,000 |
| Equity capital | 42,333,000 | 41,623,000 | 40,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|
| Interest income | 16,000 | 202,000 | 774,000 |
| Interest expense | 1,000 | 17,000 | 73,000 |
| Net interest income | 15,000 | 185,000 | 701,000 |
| Noninterest income | 0 | 2,000 | 7,000 |
| Noninterest expense | 2,202,000 | 3,622,000 | 5,415,000 |
| Provision for loan losses | 58,000 | 343,000 | 682,000 |
| Pretax income | -2,245,000 | -3,801,000 | -5,477,000 |
| Income tax | -569,000 | -960,000 | -1,371,000 |
| Net income | -1,676,000 | -2,841,000 | -4,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|
| Tier 1 capital | 41,765,000 | 40,685,000 | 39,103,000 |
| Total capital | 41,823,000 | 41,051,000 | 39,873,000 |
| Risk-weighted assets | 11,211,000 | 46,361,000 | 96,589,000 |