Call reports 2025
COMMUNITY STATE BANK OF ORBISONIA — 2025
What COMMUNITY STATE BANK OF ORBISONIA 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 | 461,938,000 | 453,259,000 | 447,551,000 | 458,972,000 |
| Total loans | 351,018,000 | 349,515,000 | 353,279,000 | 352,009,000 |
| Allowance for loan losses | 2,987,000 | 3,038,000 | 3,002,000 | 2,971,000 |
| Securities available for sale | 65,895,000 | 66,060,000 | 64,828,000 | 64,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,448,000 | 406,765,000 | 400,851,000 | 410,888,000 |
| Interest-bearing deposits | 370,477,000 | 367,756,000 | 360,956,000 | 372,727,000 |
| Noninterest-bearing deposits | 39,971,000 | 39,009,000 | 39,895,000 | 38,161,000 |
| Equity capital | 40,165,000 | 40,828,000 | 43,120,000 | 44,070,000 |
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 | 5,410,000 | 10,842,000 | 16,334,000 | 21,902,000 |
| Interest expense | 1,371,000 | 2,697,000 | 3,997,000 | 5,324,000 |
| Net interest income | 4,039,000 | 8,145,000 | 12,337,000 | 16,578,000 |
| Noninterest income | 860,000 | 1,760,000 | 2,585,000 | 3,534,000 |
| Noninterest expense | 3,806,000 | 7,721,000 | 11,495,000 | 15,838,000 |
| Provision for loan losses | 105,000 | 210,000 | 236,000 | 269,000 |
| Pretax income | 988,000 | 1,974,000 | 3,191,000 | 3,855,000 |
| Income tax | 171,000 | 345,000 | 559,000 | 675,000 |
| Net income | 817,000 | 1,629,000 | 2,632,000 | 3,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,328,000 | 45,061,000 | 45,983,000 | 46,387,000 |