Call reports 2023
CLIMATE FIRST BANK — 2023
What CLIMATE FIRST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 332,793,000 | 399,358,000 | 464,273,000 | 542,273,000 |
| Total loans | 284,884,000 | 343,795,000 | 395,504,000 | 466,205,000 |
| Allowance for loan losses | 3,672,000 | 4,403,000 | 4,747,000 | 5,278,000 |
| Securities available for sale | 8,698,000 | 8,588,000 | 7,476,000 | 7,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,842,000 | 340,799,000 | 384,525,000 | 479,794,000 |
| Interest-bearing deposits | 235,594,000 | 282,046,000 | 324,102,000 | 426,164,000 |
| Noninterest-bearing deposits | 34,248,000 | 58,753,000 | 60,423,000 | 53,630,000 |
| Equity capital | 46,004,000 | 45,143,000 | 45,269,000 | 50,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,121,000 | 9,656,000 | 16,008,000 | 23,858,000 |
| Interest expense | 1,699,000 | 4,474,000 | 7,688,000 | 11,876,000 |
| Net interest income | 2,422,000 | 5,182,000 | 8,320,000 | 11,982,000 |
| Noninterest income | 489,000 | 592,000 | 775,000 | 948,000 |
| Noninterest expense | 2,866,000 | 6,232,000 | 9,281,000 | 12,476,000 |
| Provision for loan losses | 399,000 | 1,130,000 | 1,474,000 | 2,006,000 |
| Pretax income | -711,000 | -1,877,000 | -1,725,000 | -1,633,000 |
| Income tax | -179,000 | -458,000 | -401,000 | -381,000 |
| Net income | -532,000 | -1,419,000 | -1,324,000 | -1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,509,000 | 42,408,000 | 42,623,000 | 47,843,000 |
| Total capital | 47,874,000 | 47,433,000 | 48,104,000 | 53,870,000 |
| Risk-weighted assets | 348,924,000 | 401,689,000 | 443,383,000 | 504,241,000 |