Call reports 2025
CARMINE STATE BANK — 2025
What CARMINE 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 | 129,991,000 | 135,218,000 | 144,015,000 | 146,527,000 |
| Total loans | 37,206,000 | 38,277,000 | 37,471,000 | 38,910,000 |
| Allowance for loan losses | 193,000 | 194,000 | 195,000 | 226,000 |
| Securities available for sale | 40,971,000 | 43,921,000 | 48,027,000 | 50,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,603,000 | 128,572,000 | 135,934,000 | 137,837,000 |
| Interest-bearing deposits | 94,802,000 | 93,327,000 | 100,118,000 | 102,172,000 |
| Noninterest-bearing deposits | 28,801,000 | 35,245,000 | 35,816,000 | 35,665,000 |
| Equity capital | 6,176,000 | 6,382,000 | 7,767,000 | 8,507,000 |
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 | 1,468,000 | 3,015,000 | 4,625,000 | 6,324,000 |
| Interest expense | 766,000 | 1,522,000 | 2,305,000 | 3,100,000 |
| Net interest income | 702,000 | 1,493,000 | 2,320,000 | 3,224,000 |
| Noninterest income | 51,000 | 95,000 | 140,000 | 189,000 |
| Noninterest expense | 451,000 | 931,000 | 1,400,000 | 2,089,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 302,000 | 657,000 | 1,060,000 | 1,294,000 |
| Income tax | 20,000 | 18,000 | 58,000 | 83,000 |
| Net income | 282,000 | 639,000 | 1,002,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,359,000 | 14,617,000 | 15,022,000 | 14,991,000 |