Call reports 2025
COMMUNITY FINANCIAL SERVICES BANK — 2025
What COMMUNITY FINANCIAL SERVICES 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 | 1,395,292,000 | 1,395,200,000 | 1,396,064,000 | 1,410,476,000 |
| Total loans | 979,710,000 | 986,786,000 | 983,125,000 | 968,283,000 |
| Allowance for loan losses | 14,754,000 | 14,499,000 | 14,049,000 | 13,300,000 |
| Securities available for sale | 280,534,000 | 272,879,000 | 271,231,000 | 273,137,000 |
| Securities held to maturity | 10,570,000 | 9,868,000 | 10,361,000 | 10,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,259,905,000 | 1,250,939,000 | 1,255,386,000 | 1,274,703,000 |
| Interest-bearing deposits | 1,068,190,000 | 1,054,136,000 | 1,068,377,000 | 1,090,889,000 |
| Noninterest-bearing deposits | 191,715,000 | 196,803,000 | 187,009,000 | 183,814,000 |
| Equity capital | 101,202,000 | 95,633,000 | 107,558,000 | 109,658,000 |
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 | 18,499,000 | 36,789,000 | 55,897,000 | 74,524,000 |
| Interest expense | 8,253,000 | 15,788,000 | 23,284,000 | 30,382,000 |
| Net interest income | 10,246,000 | 21,001,000 | 32,613,000 | 44,142,000 |
| Noninterest income | 2,563,000 | 5,308,000 | 10,400,000 | 13,405,000 |
| Noninterest expense | 9,260,000 | 18,800,000 | 27,157,000 | 36,469,000 |
| Provision for loan losses | 150,000 | 375,000 | 1,350,000 | 2,150,000 |
| Pretax income | 3,390,000 | 7,131,000 | 13,915,000 | 18,345,000 |
| Income tax | 529,000 | 1,144,000 | 2,218,000 | 3,019,000 |
| Net income | 2,861,000 | 5,987,000 | 11,697,000 | 15,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,156,000 | 143,342,000 | 149,113,000 | 147,705,000 |
| Total capital | 158,033,000 | 157,225,000 | 162,763,000 | 161,122,000 |
| Risk-weighted assets | 1,108,569,000 | 1,109,373,000 | 1,090,897,000 | 1,072,810,000 |
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