Call reports 2025
CHARLEVOIX STATE BANK — 2025
What CHARLEVOIX 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 | 236,885,000 | 242,713,000 | 250,276,000 | 239,636,000 |
| Total loans | 123,167,000 | 122,464,000 | 122,791,000 | 129,591,000 |
| Allowance for loan losses | 1,514,000 | 1,507,000 | 1,505,000 | 1,491,000 |
| Securities available for sale | 81,782,000 | 67,161,000 | 74,149,000 | 75,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,837,000 | 216,963,000 | 223,469,000 | 212,847,000 |
| Interest-bearing deposits | 132,521,000 | 131,190,000 | 126,689,000 | 123,801,000 |
| Noninterest-bearing deposits | 79,316,000 | 85,773,000 | 96,780,000 | 89,046,000 |
| Equity capital | 22,281,000 | 22,819,000 | 23,562,000 | 23,983,000 |
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 | 2,481,000 | 5,132,000 | 7,991,000 | 10,923,000 |
| Interest expense | 322,000 | 710,000 | 1,066,000 | 1,373,000 |
| Net interest income | 2,159,000 | 4,422,000 | 6,925,000 | 9,550,000 |
| Noninterest income | 538,000 | 1,102,000 | 2,087,000 | 2,778,000 |
| Noninterest expense | 1,584,000 | 3,275,000 | 5,322,000 | 7,290,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,113,000 | 2,249,000 | 3,690,000 | 5,038,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,113,000 | 2,249,000 | 3,690,000 | 5,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,213,000 | 25,213,000 | 25,213,000 | 25,214,000 |
| Total capital | 26,763,000 | 26,756,000 | 26,754,000 | 26,741,000 |
| Risk-weighted assets | 133,702,000 | 129,841,000 | 131,630,000 | 136,852,000 |