Call reports 2025
CYPRESS BANK, SSB — 2025
What CYPRESS BANK, SSB 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 | 232,806,000 | 230,713,000 | 231,856,000 | 226,918,000 |
| Total loans | 144,451,000 | 139,745,000 | 136,892,000 | 137,608,000 |
| Allowance for loan losses | 1,355,000 | 1,332,000 | 1,291,000 | 1,266,000 |
| Securities available for sale | 13,635,000 | 15,788,000 | 26,955,000 | 27,658,000 |
| Securities held to maturity | 41,238,000 | 41,803,000 | 41,714,000 | 41,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,284,000 | 185,848,000 | 188,464,000 | 184,191,000 |
| Interest-bearing deposits | 153,540,000 | 151,415,000 | 153,549,000 | 150,343,000 |
| Noninterest-bearing deposits | 31,744,000 | 34,433,000 | 34,915,000 | 33,848,000 |
| Equity capital | 25,083,000 | 24,639,000 | 25,447,000 | 25,748,000 |
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 | 3,222,000 | 6,418,000 | 9,585,000 | 12,725,000 |
| Interest expense | 1,266,000 | 2,485,000 | 3,657,000 | 4,770,000 |
| Net interest income | 1,956,000 | 3,933,000 | 5,928,000 | 7,955,000 |
| Noninterest income | 212,000 | 339,000 | 563,000 | 797,000 |
| Noninterest expense | 1,831,000 | 3,598,000 | 5,441,000 | 7,217,000 |
| Provision for loan losses | 24,000 | 21,000 | 45,000 | 40,000 |
| Pretax income | 324,000 | 646,000 | 998,000 | 1,469,000 |
| Income tax | 16,000 | 50,000 | 90,000 | 169,000 |
| Net income | 308,000 | 596,000 | 908,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,419,000 | 26,137,000 | 26,449,000 | 26,841,000 |
| Total capital | 27,789,000 | 27,502,000 | 27,774,000 | 28,160,000 |
| Risk-weighted assets | 136,742,000 | 133,386,000 | 131,629,000 | 131,259,000 |