Call reports 2025
CLIMATE FIRST BANK — 2025
What CLIMATE FIRST 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 | 1,031,563,000 | 1,179,812,000 | 1,386,734,000 | 1,624,820,000 |
| Total loans | 873,267,000 | 1,021,856,000 | 1,182,436,000 | 1,405,979,000 |
| Allowance for loan losses | 8,696,000 | 10,692,000 | 12,323,000 | 14,696,000 |
| Securities available for sale | 3,561,000 | 3,544,000 | 3,559,000 | 3,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,922,000 | 1,006,432,000 | 1,197,735,000 | 1,358,055,000 |
| Interest-bearing deposits | 800,077,000 | 914,425,000 | 1,108,159,000 | 1,257,254,000 |
| Noninterest-bearing deposits | 70,845,000 | 92,007,000 | 89,576,000 | 100,801,000 |
| Equity capital | 94,649,000 | 106,665,000 | 120,741,000 | 143,167,000 |
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 | 16,212,000 | 35,806,000 | 58,873,000 | 85,392,000 |
| Interest expense | 8,759,000 | 18,444,000 | 29,721,000 | 42,233,000 |
| Net interest income | 7,453,000 | 17,362,000 | 29,152,000 | 43,159,000 |
| Noninterest income | 628,000 | 1,788,000 | 3,610,000 | 5,080,000 |
| Noninterest expense | 5,338,000 | 11,574,000 | 18,175,000 | 25,479,000 |
| Provision for loan losses | 1,124,000 | 3,120,000 | 4,788,000 | 7,195,000 |
| Pretax income | 1,499,000 | 4,373,000 | 9,618,000 | 15,366,000 |
| Income tax | 372,000 | 1,096,000 | 2,394,000 | 3,850,000 |
| Net income | 1,127,000 | 3,277,000 | 7,224,000 | 11,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,016,000 | 104,681,000 | 118,344,000 | 140,733,000 |
| Total capital | 102,859,000 | 116,482,000 | 131,875,000 | 156,655,000 |
| Risk-weighted assets | 945,445,000 | 1,116,826,000 | 1,292,212,000 | 1,502,747,000 |