Call reports 2025
CBL STATE SAVINGS BANK — 2025
What CBL STATE SAVINGS 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 | 183,926,000 | 184,836,000 | 187,292,000 | 188,014,000 |
| Total loans | 111,164,000 | 112,722,000 | 114,588,000 | 116,767,000 |
| Allowance for loan losses | 1,062,000 | 1,070,000 | 1,086,000 | 1,087,000 |
| Securities available for sale | 40,829,000 | 40,461,000 | 42,390,000 | 40,454,000 |
| Securities held to maturity | 1,003,000 | 912,000 | 879,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,325,000 | 119,062,000 | 121,318,000 | 122,492,000 |
| Interest-bearing deposits | 118,320,000 | 119,060,000 | 121,314,000 | 122,488,000 |
| Noninterest-bearing deposits | 5,000 | 2,000 | 4,000 | 4,000 |
| Equity capital | 28,951,000 | 28,871,000 | 29,096,000 | 29,094,000 |
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 | 2,173,000 | 4,357,000 | 6,589,000 | 8,844,000 |
| Interest expense | 1,395,000 | 2,749,000 | 4,145,000 | 5,533,000 |
| Net interest income | 778,000 | 1,608,000 | 2,444,000 | 3,311,000 |
| Noninterest income | 41,000 | 83,000 | 125,000 | 167,000 |
| Noninterest expense | 879,000 | 1,806,000 | 2,703,000 | 3,803,000 |
| Provision for loan losses | 0 | 8,000 | 24,000 | 25,000 |
| Pretax income | -60,000 | -130,000 | -164,000 | -367,000 |
| Income tax | -14,000 | -32,000 | -36,000 | -89,000 |
| Net income | -46,000 | -98,000 | -128,000 | -278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,562,000 | 30,510,000 | 30,480,000 | 30,331,000 |