Call reports 2025
CLARE BANK, NATIONAL ASSOCIATION — 2025
What CLARE BANK, NATIONAL ASSOCIATION 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 | 322,455,000 | 320,963,000 | 319,842,000 | 349,308,000 |
| Total loans | 157,597,000 | 159,955,000 | 162,373,000 | 171,954,000 |
| Allowance for loan losses | 744,000 | 756,000 | 781,000 | 819,000 |
| Securities available for sale | 110,179,000 | 109,696,000 | 109,392,000 | 112,922,000 |
| Securities held to maturity | 41,404,000 | 40,671,000 | 39,969,000 | 39,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,960,000 | 269,189,000 | 262,880,000 | 289,716,000 |
| Interest-bearing deposits | 225,649,000 | 216,646,000 | 209,283,000 | 230,729,000 |
| Noninterest-bearing deposits | 48,311,000 | 52,543,000 | 53,597,000 | 58,987,000 |
| Equity capital | 24,919,000 | 27,189,000 | 29,018,000 | 29,930,000 |
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 | 2,924,000 | 5,891,000 | 9,007,000 | 12,287,000 |
| Interest expense | 1,434,000 | 2,792,000 | 4,162,000 | 5,529,000 |
| Net interest income | 1,490,000 | 3,099,000 | 4,845,000 | 6,758,000 |
| Noninterest income | 78,000 | 160,000 | 237,000 | 309,000 |
| Noninterest expense | 1,158,000 | 2,242,000 | 3,360,000 | 4,501,000 |
| Provision for loan losses | 20,000 | 32,000 | 57,000 | 107,000 |
| Pretax income | 424,000 | 1,021,000 | 1,692,000 | 2,424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 424,000 | 1,021,000 | 1,692,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,427,000 | 39,024,000 | 39,694,000 | 39,427,000 |
| Total capital | — | 39,800,000 | — | 40,276,000 |
| Risk-weighted assets | — | 148,340,000 | — | 161,093,000 |