Call reports 2025
CYPRESS BANK & TRUST — 2025
What CYPRESS BANK & TRUST 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 | 185,325,000 | 191,714,000 | 192,877,000 | 208,923,000 |
| Total loans | 108,305,000 | 124,099,000 | 140,322,000 | 157,564,000 |
| Allowance for loan losses | 1,393,000 | 1,535,000 | 1,585,000 | 1,635,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,695,000 | 30,808,000 | 25,521,000 | 23,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,195,000 | 158,712,000 | 158,088,000 | 173,096,000 |
| Interest-bearing deposits | 111,409,000 | 108,457,000 | 106,850,000 | 120,470,000 |
| Noninterest-bearing deposits | 48,786,000 | 50,255,000 | 51,238,000 | 52,626,000 |
| Equity capital | 18,208,000 | 26,007,000 | 26,498,000 | 27,130,000 |
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 | 2,208,000 | 4,726,000 | 7,360,000 | 10,178,000 |
| Interest expense | 937,000 | 1,919,000 | 2,874,000 | 3,811,000 |
| Net interest income | 1,271,000 | 2,807,000 | 4,486,000 | 6,367,000 |
| Noninterest income | 2,637,000 | 5,477,000 | 8,283,000 | 11,173,000 |
| Noninterest expense | 3,616,000 | 7,475,000 | 11,277,000 | 15,169,000 |
| Provision for loan losses | 123,000 | 265,000 | 315,000 | 365,000 |
| Pretax income | 222,000 | 597,000 | 1,230,000 | 2,059,000 |
| Income tax | 57,000 | 151,000 | 308,000 | 518,000 |
| Net income | 165,000 | 446,000 | 922,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,283,000 | 25,168,000 | 25,813,000 | 26,652,000 |