Call reports 2025
CERESCOBANK — 2025
What CERESCOBANK 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 | 75,431,000 | 74,404,000 | 76,595,000 | 77,483,000 |
| Total loans | 34,056,000 | 36,736,000 | 41,094,000 | 42,124,000 |
| Allowance for loan losses | 647,000 | 716,000 | 736,000 | 748,000 |
| Securities available for sale | 30,736,000 | 28,967,000 | 26,413,000 | 26,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,256,000 | 63,041,000 | 63,049,000 | 65,779,000 |
| Interest-bearing deposits | 51,852,000 | 51,691,000 | 51,147,000 | 53,364,000 |
| Noninterest-bearing deposits | 12,404,000 | 11,350,000 | 11,902,000 | 12,415,000 |
| Equity capital | 8,351,000 | 8,824,000 | 9,310,000 | 9,541,000 |
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 | 843,000 | 1,707,000 | 2,632,000 | 3,588,000 |
| Interest expense | 365,000 | 736,000 | 1,113,000 | 1,485,000 |
| Net interest income | 478,000 | 971,000 | 1,519,000 | 2,103,000 |
| Noninterest income | 106,000 | 222,000 | 363,000 | 400,000 |
| Noninterest expense | 339,000 | 641,000 | 977,000 | 1,681,000 |
| Provision for loan losses | -48,000 | 51,000 | 94,000 | 110,000 |
| Pretax income | 328,000 | 544,000 | 874,000 | 837,000 |
| Income tax | 49,000 | 89,000 | 159,000 | 120,000 |
| Net income | 279,000 | 455,000 | 715,000 | 717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,044,000 | 10,226,000 | 10,485,000 | 10,438,000 |