Call reports 2025
CLEO STATE BANK — 2025
What CLEO STATE 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 | 112,854,000 | 115,061,000 | 113,077,000 | 111,053,000 |
| Total loans | 58,950,000 | 59,539,000 | 57,432,000 | 67,076,000 |
| Allowance for loan losses | 593,000 | 614,000 | 523,000 | 519,000 |
| Securities available for sale | 40,884,000 | 32,898,000 | 31,320,000 | 24,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,566,000 | 97,164,000 | 94,776,000 | 93,021,000 |
| Interest-bearing deposits | 71,567,000 | 70,927,000 | 69,590,000 | 70,262,000 |
| Noninterest-bearing deposits | 23,999,000 | 26,237,000 | 25,186,000 | 22,759,000 |
| Equity capital | 17,139,000 | 17,759,000 | 18,156,000 | 17,868,000 |
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 | 1,510,000 | 3,127,000 | 4,717,000 | 6,327,000 |
| Interest expense | 505,000 | 972,000 | 1,441,000 | 1,918,000 |
| Net interest income | 1,005,000 | 2,155,000 | 3,276,000 | 4,409,000 |
| Noninterest income | 82,000 | 163,000 | 240,000 | 321,000 |
| Noninterest expense | 606,000 | 1,220,000 | 1,835,000 | 2,721,000 |
| Provision for loan losses | 30,000 | 110,000 | 140,000 | 190,000 |
| Pretax income | 451,000 | 988,000 | 1,541,000 | 1,819,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 451,000 | 988,000 | 1,541,000 | 1,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,708,000 | 19,245,000 | 19,188,000 | 18,953,000 |