Call reports 2025
CIERA BANK — 2025
What CIERA 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 | 924,498,000 | 946,347,000 | 954,230,000 | 975,431,000 |
| Total loans | 648,718,000 | 675,284,000 | 705,737,000 | 711,523,000 |
| Allowance for loan losses | 10,132,000 | 10,867,000 | 11,554,000 | 11,544,000 |
| Securities available for sale | 55,908,000 | 54,660,000 | 56,082,000 | 57,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 811,179,000 | 829,230,000 | 834,213,000 | 854,000,000 |
| Interest-bearing deposits | 589,520,000 | 610,743,000 | 617,803,000 | 626,913,000 |
| Noninterest-bearing deposits | 221,659,000 | 218,487,000 | 216,410,000 | 227,087,000 |
| Equity capital | 100,629,000 | 103,667,000 | 105,236,000 | 108,269,000 |
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 | 13,721,000 | 28,426,000 | 43,582,000 | 58,793,000 |
| Interest expense | 5,123,000 | 10,236,000 | 15,592,000 | 20,649,000 |
| Net interest income | 8,598,000 | 18,190,000 | 27,990,000 | 38,144,000 |
| Noninterest income | 791,000 | 4,253,000 | 2,989,000 | 3,071,000 |
| Noninterest expense | 5,614,000 | 11,549,000 | 17,761,000 | 24,190,000 |
| Provision for loan losses | -233,000 | 501,000 | 1,189,000 | 1,280,000 |
| Pretax income | 4,163,000 | 10,457,000 | 11,887,000 | 15,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,163,000 | 10,457,000 | 11,887,000 | 15,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,282,000 | 106,425,000 | 105,849,000 | 107,513,000 |
| Total capital | 111,281,000 | 115,872,000 | 115,597,000 | 117,289,000 |
| Risk-weighted assets | 716,800,000 | 752,217,000 | 775,742,000 | 778,167,000 |