Call reports 2022
CLIMATE FIRST BANK — 2022
What CLIMATE FIRST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 167,276,000 | 220,901,000 | 249,945,000 | 280,936,000 |
| Total loans | 131,760,000 | 160,134,000 | 196,994,000 | 238,585,000 |
| Allowance for loan losses | 1,267,000 | 1,526,000 | 1,957,000 | 3,273,000 |
| Securities available for sale | 2,700,000 | 4,004,000 | 8,639,000 | 8,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,389,000 | 180,888,000 | 195,630,000 | 222,652,000 |
| Interest-bearing deposits | 114,421,000 | 156,763,000 | 170,491,000 | 194,148,000 |
| Noninterest-bearing deposits | 12,968,000 | 24,125,000 | 25,139,000 | 28,504,000 |
| Equity capital | 39,330,000 | 39,121,000 | 42,549,000 | 43,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,828,000 | 5,188,000 | 8,418,000 |
| Interest expense | 121,000 | 326,000 | 619,000 | 1,476,000 |
| Net interest income | 944,000 | 2,502,000 | 4,569,000 | 6,942,000 |
| Noninterest income | 11,000 | 39,000 | 90,000 | 188,000 |
| Noninterest expense | 1,914,000 | 3,985,000 | 6,119,000 | 8,513,000 |
| Provision for loan losses | 585,000 | 846,000 | 1,280,000 | 2,596,000 |
| Pretax income | -1,606,000 | -2,439,000 | -2,992,000 | -4,560,000 |
| Income tax | -398,000 | -594,000 | -721,000 | -1,104,000 |
| Net income | -1,208,000 | -1,845,000 | -2,271,000 | -3,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,654,000 | 37,316,000 | 40,757,000 | 41,261,000 |
| Total capital | 39,071,000 | 39,079,000 | 43,054,000 | 44,896,000 |
| Risk-weighted assets | 160,170,000 | 195,898,000 | 240,072,000 | 290,470,000 |