Call reports 2024
CLIMATE FIRST BANK — 2024
What CLIMATE FIRST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 612,739,000 | 688,152,000 | 858,126,000 | 889,374,000 |
| Total loans | 507,675,000 | 609,008,000 | 702,322,000 | 769,275,000 |
| Allowance for loan losses | 5,583,000 | 6,911,000 | 7,261,000 | 7,575,000 |
| Securities available for sale | 7,583,000 | 5,571,000 | 4,704,000 | 4,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,232,000 | 620,887,000 | 781,865,000 | 785,820,000 |
| Interest-bearing deposits | 483,252,000 | 549,813,000 | 717,082,000 | 717,456,000 |
| Noninterest-bearing deposits | 70,980,000 | 71,074,000 | 64,783,000 | 68,364,000 |
| Equity capital | 56,063,000 | 61,100,000 | 72,486,000 | 79,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,392,000 | 20,312,000 | 33,471,000 | 48,395,000 |
| Interest expense | 5,211,000 | 11,128,000 | 18,356,000 | 26,270,000 |
| Net interest income | 4,181,000 | 9,184,000 | 15,115,000 | 22,125,000 |
| Noninterest income | 245,000 | 451,000 | 858,000 | 1,189,000 |
| Noninterest expense | 3,522,000 | 7,629,000 | 11,751,000 | 16,075,000 |
| Provision for loan losses | 308,000 | 1,636,000 | 2,060,000 | 2,374,000 |
| Pretax income | 560,000 | 472,000 | 2,043,000 | 4,588,000 |
| Income tax | 159,000 | 153,000 | 564,000 | 1,229,000 |
| Net income | 401,000 | 319,000 | 1,479,000 | 3,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,488,000 | 58,496,000 | 70,198,000 | 77,657,000 |
| Total capital | 59,857,000 | 66,054,000 | 78,327,000 | 86,259,000 |
| Risk-weighted assets | 555,383,000 | 646,082,000 | 754,522,000 | 842,104,000 |