Call reports 2025
CEDAR RAPIDS STATE BANK — 2025
What CEDAR RAPIDS 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 | 163,632,000 | 171,645,000 | 174,868,000 | 175,105,000 |
| Total loans | 139,464,000 | 147,355,000 | 147,176,000 | 146,352,000 |
| Allowance for loan losses | 1,100,000 | 1,176,000 | 1,234,000 | 979,000 |
| Securities available for sale | 7,253,000 | 10,774,000 | 17,346,000 | 17,336,000 |
| Securities held to maturity | 7,321,000 | 5,316,000 | 2,311,000 | 2,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,882,000 | 154,583,000 | 150,741,000 | 156,214,000 |
| Interest-bearing deposits | 134,740,000 | 141,464,000 | 139,302,000 | 141,829,000 |
| Noninterest-bearing deposits | 12,142,000 | 13,119,000 | 11,439,000 | 14,385,000 |
| Equity capital | 16,205,000 | 16,604,000 | 17,081,000 | 16,538,000 |
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 | 2,577,000 | 5,203,000 | 7,941,000 | 10,672,000 |
| Interest expense | 1,235,000 | 2,440,000 | 3,695,000 | 4,981,000 |
| Net interest income | 1,342,000 | 2,763,000 | 4,246,000 | 5,691,000 |
| Noninterest income | 139,000 | 226,000 | 326,000 | 448,000 |
| Noninterest expense | 854,000 | 1,683,000 | 2,567,000 | 3,517,000 |
| Provision for loan losses | 18,000 | 94,000 | 154,000 | 821,000 |
| Pretax income | 577,000 | 1,196,000 | 1,835,000 | 1,790,000 |
| Income tax | 6,000 | 10,000 | 16,000 | 152,000 |
| Net income | 571,000 | 1,186,000 | 1,819,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,190,000 | 16,565,000 | 16,958,000 | 16,427,000 |
| Total capital | 17,385,000 | 17,820,000 | 18,270,000 | 17,480,000 |
| Risk-weighted assets | 124,336,000 | 130,809,000 | 131,937,000 | 131,751,000 |