Call reports 2025
CARVER STATE BANK — 2025
What CARVER 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 | 107,504,000 | 109,787,000 | 113,168,000 | 117,077,000 |
| Total loans | 44,253,000 | 45,971,000 | 46,286,000 | 45,490,000 |
| Allowance for loan losses | 1,086,000 | 1,058,000 | 1,049,000 | 876,000 |
| Securities available for sale | 41,070,000 | 40,432,000 | 41,184,000 | 40,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,482,000 | 90,820,000 | 93,380,000 | 98,131,000 |
| Interest-bearing deposits | 63,350,000 | 63,512,000 | 62,425,000 | 62,053,000 |
| Noninterest-bearing deposits | 26,132,000 | 27,308,000 | 30,955,000 | 36,078,000 |
| Equity capital | 16,663,000 | 17,091,000 | 17,882,000 | 16,685,000 |
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 | 1,556,000 | 2,944,000 | 4,474,000 | 6,034,000 |
| Interest expense | 394,000 | 790,000 | 1,191,000 | 1,603,000 |
| Net interest income | 1,162,000 | 2,154,000 | 3,283,000 | 4,431,000 |
| Noninterest income | 41,000 | 288,000 | 555,000 | 573,000 |
| Noninterest expense | 872,000 | 1,732,000 | 2,606,000 | 3,953,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 331,000 | 710,000 | 1,232,000 | 1,051,000 |
| Income tax | 0 | 0 | 0 | 514,000 |
| Net income | 331,000 | 710,000 | 1,232,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,771,000 | 17,150,000 | 17,672,000 | 16,462,000 |