Call reports 2025
CFSBANK — 2025
What CFSBANK 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 | 755,663,000 | 827,516,000 | 754,868,000 | 745,663,000 |
| Total loans | 446,600,000 | 451,404,000 | 455,386,000 | 468,522,000 |
| Allowance for loan losses | 2,564,000 | 2,573,000 | 2,561,000 | 2,295,000 |
| Securities available for sale | 204,437,000 | 203,927,000 | 199,437,000 | 189,606,000 |
| Securities held to maturity | 29,920,000 | 28,594,000 | 27,342,000 | 26,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,879,000 | 717,338,000 | 646,448,000 | 637,146,000 |
| Interest-bearing deposits | 541,198,000 | 618,275,000 | 556,334,000 | 545,256,000 |
| Noninterest-bearing deposits | 99,681,000 | 99,063,000 | 90,114,000 | 91,890,000 |
| Equity capital | 70,867,000 | 72,409,000 | 74,258,000 | 75,378,000 |
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 | 7,353,000 | 15,707,000 | 24,028,000 | 31,621,000 |
| Interest expense | 4,126,000 | 8,869,000 | 13,431,000 | 17,436,000 |
| Net interest income | 3,227,000 | 6,838,000 | 10,597,000 | 14,185,000 |
| Noninterest income | 999,000 | 2,422,000 | 3,781,000 | 5,001,000 |
| Noninterest expense | 3,854,000 | 8,171,000 | 12,837,000 | 17,536,000 |
| Provision for loan losses | -40,000 | -30,000 | -35,000 | -35,000 |
| Pretax income | 372,000 | 1,089,000 | 1,541,000 | 1,776,000 |
| Income tax | 79,000 | 217,000 | 281,000 | 275,000 |
| Net income | 293,000 | 872,000 | 1,260,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,163,000 | 81,745,000 | 82,137,000 | 82,380,000 |
| Total capital | 83,767,000 | 84,348,000 | 84,733,000 | 84,711,000 |
| Risk-weighted assets | 386,201,000 | 389,965,000 | 400,256,000 | 402,485,000 |