Call reports 2025
CITY FIRST BANK, NATIONAL ASSOCIATION — 2025
What CITY FIRST 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 | 1,257,047,000 | 1,245,802,000 | 1,334,159,000 | 1,344,459,000 |
| Total loans | 1,001,846,000 | 986,944,000 | 1,023,482,000 | 1,025,963,000 |
| Allowance for loan losses | 10,259,000 | 9,880,000 | 10,338,000 | 9,423,000 |
| Securities available for sale | 185,938,000 | 177,977,000 | 244,005,000 | 256,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 848,744,000 | 870,110,000 | 919,441,000 | 987,767,000 |
| Interest-bearing deposits | 754,155,000 | 781,475,000 | 824,923,000 | 881,932,000 |
| Noninterest-bearing deposits | 94,589,000 | 88,635,000 | 94,518,000 | 105,835,000 |
| Equity capital | 205,242,000 | 207,269,000 | 185,164,000 | 187,152,000 |
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 | 14,801,000 | 29,198,000 | 44,989,000 | 61,282,000 |
| Interest expense | 6,783,000 | 13,453,000 | 20,653,000 | 28,242,000 |
| Net interest income | 8,018,000 | 15,745,000 | 24,336,000 | 33,040,000 |
| Noninterest income | 288,000 | 644,000 | 1,064,000 | 1,752,000 |
| Noninterest expense | 9,954,000 | 17,216,000 | 48,529,000 | 56,212,000 |
| Provision for loan losses | 1,895,000 | 1,516,000 | 1,974,000 | 2,239,000 |
| Pretax income | -3,562,000 | -2,287,000 | -25,267,000 | -23,606,000 |
| Income tax | -1,024,000 | -658,000 | 118,000 | 573,000 |
| Net income | -2,535,000 | -1,619,000 | -25,364,000 | -24,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,256,000 | 187,513,000 | 189,646,000 | 191,335,000 |