Call reports 2025
TWIN CEDARS BANK — 2025
What TWIN CEDARS 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 | 111,966,000 | 113,293,000 | 121,104,000 | 121,993,000 |
| Total loans | 91,846,000 | 94,040,000 | 101,877,000 | 99,186,000 |
| Allowance for loan losses | 1,733,000 | 1,856,000 | 1,919,000 | 1,933,000 |
| Securities available for sale | 998,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,740,000 | 98,704,000 | 103,843,000 | 105,356,000 |
| Interest-bearing deposits | 82,835,000 | 83,599,000 | 90,313,000 | 91,993,000 |
| Noninterest-bearing deposits | 12,905,000 | 15,105,000 | 13,530,000 | 13,363,000 |
| Equity capital | 13,465,000 | 13,685,000 | 13,525,000 | 13,665,000 |
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 | 1,855,000 | 3,849,000 | 5,885,000 | 7,862,000 |
| Interest expense | 720,000 | 1,464,000 | 2,271,000 | 3,041,000 |
| Net interest income | 1,135,000 | 2,385,000 | 3,614,000 | 4,821,000 |
| Noninterest income | 67,000 | 113,000 | 162,000 | 202,000 |
| Noninterest expense | 870,000 | 1,751,000 | 2,681,000 | 3,641,000 |
| Provision for loan losses | 120,000 | 245,000 | 795,000 | 870,000 |
| Pretax income | 212,000 | 500,000 | 289,000 | 481,000 |
| Income tax | 51,000 | 121,000 | 70,000 | 122,000 |
| Net income | 161,000 | 379,000 | 219,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,398,000 | 12,655,000 | 12,533,000 | 12,711,000 |
| Total capital | 13,557,000 | 13,805,000 | 13,766,000 | 13,921,000 |
| Risk-weighted assets | 92,166,000 | 91,311,000 | 97,944,000 | 96,032,000 |