Home > Climate First Bank > Income and Expense
Climate First Bank, Income and Expense
| 2025-03-31 (YTD Data) | Rank | |
| Total interest income | $16,212,000 | 847 |
| Total interest expense | $8,759,000 | 636 |
| Net interest income | $7,453,000 | 1,128 |
| Provision for loan and lease losses | $1,244,000 | 345 |
| Total noninterest income | $628,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 918 |
| Service charges on deposit accounts | $43,000 | 2,786 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $585,000 | 1,359 |
| Total noninterest expense | $5,338,000 | 1,205 |
| Salaries and employee benefits | $3,518,000 | 1,071 |
| Premises and equipment expense | $183,000 | 2,472 |
| Additional noninterest expense | $585,000 | 1,359 |
| Pre-tax net operating income | $1,499,000 | 1,755 |
| Securities gains (losses) | $0 | 665 |
| Applicable income taxes | $372,000 | 1,204 |
| Income before extraordinary items | $1,127,000 | 1,882 |
| Extraordinary gains, net | $0 | 47 |
| Net income | $1,127,000 | 1,905 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $1,127,000 | 1,882 |
| Net charge-offs | $3,000 | 1,995 |
| Cash dividends | $0 | 2,364 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 308 |
| Net operating income | $1,127,000 | 1,894 |
| 2024-12-31 (YTD Data) | Rank | |
| Total interest income | $48,395,000 | 1,076 |
| Total interest expense | $26,270,000 | 828 |
| Net interest income | $22,125,000 | 1,352 |
| Provision for loan and lease losses | $2,651,000 | 523 |
| Total noninterest income | $1,189,000 | 2,527 |
| Gross Fiduciary activities income | $0 | 1,000 |
| Service charges on deposit accounts | $137,000 | 3,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,052,000 | 2,200 |
| Total noninterest expense | $16,075,000 | 1,484 |
| Salaries and employee benefits | $10,661,000 | 1,318 |
| Premises and equipment expense | $685,000 | 2,542 |
| Additional noninterest expense | $1,052,000 | 2,200 |
| Pre-tax net operating income | $4,588,000 | 1,962 |
| Securities gains (losses) | $0 | 940 |
| Applicable income taxes | $1,229,000 | 1,255 |
| Income before extraordinary items | $3,359,000 | 2,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,359,000 | 2,173 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,359,000 | 2,151 |
| Net charge-offs | $77,000 | 1,872 |
| Cash dividends | $0 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $397,000 | 324 |
| Net operating income | $3,359,000 | 2,160 |
| 2024-09-30 (YTD Data) | Rank | |
| Total interest income | $33,471,000 | 1,143 |
| Total interest expense | $18,356,000 | 891 |
| Net interest income | $15,115,000 | 1,452 |
| Provision for loan and lease losses | $2,179,000 | 469 |
| Total noninterest income | $858,000 | 2,547 |
| Gross Fiduciary activities income | $0 | 972 |
| Service charges on deposit accounts | $101,000 | 3,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $757,000 | 2,220 |
| Total noninterest expense | $11,751,000 | 1,499 |
| Salaries and employee benefits | $8,041,000 | 1,298 |
| Premises and equipment expense | $514,000 | 2,535 |
| Additional noninterest expense | $757,000 | 2,220 |
| Pre-tax net operating income | $2,043,000 | 2,553 |
| Securities gains (losses) | $0 | 930 |
| Applicable income taxes | $564,000 | 1,592 |
| Income before extraordinary items | $1,479,000 | 2,758 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,479,000 | 2,788 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,479,000 | 2,761 |
| Net charge-offs | $77,000 | 1,505 |
| Cash dividends | $0 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $288,000 | 312 |
| Net operating income | $1,479,000 | 2,769 |
| 2024-06-30 (YTD Data) | Rank | |
| Total interest income | $20,312,000 | 1,209 |
| Total interest expense | $11,128,000 | 933 |
| Net interest income | $9,184,000 | 1,548 |
| Provision for loan and lease losses | $1,534,000 | 430 |
| Total noninterest income | $451,000 | 2,782 |
| Gross Fiduciary activities income | $0 | 962 |
| Service charges on deposit accounts | $63,000 | 3,145 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $388,000 | 2,475 |
| Total noninterest expense | $7,629,000 | 1,529 |
| Salaries and employee benefits | $5,284,000 | 1,312 |
| Premises and equipment expense | $332,000 | 2,570 |
| Additional noninterest expense | $388,000 | 2,475 |
| Pre-tax net operating income | $472,000 | 3,540 |
| Securities gains (losses) | $0 | 628 |
| Applicable income taxes | $153,000 | 2,141 |
| Income before extraordinary items | $319,000 | 3,669 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $319,000 | 3,709 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $319,000 | 3,672 |
| Net charge-offs | $3,000 | 2,350 |
| Cash dividends | $0 | 2,949 |
| Sale, conversion, retirement of capital stock, net | $194,000 | 299 |
| Net operating income | $319,000 | 3,688 |
| 2024-03-31 (YTD Data) | Rank | |
| Total interest income | $9,392,000 | 1,279 |
| Total interest expense | $5,211,000 | 972 |
| Net interest income | $4,181,000 | 1,656 |
| Provision for loan and lease losses | $344,000 | 618 |
| Total noninterest income | $245,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 895 |
| Service charges on deposit accounts | $31,000 | 3,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 2,304 |
| Total noninterest expense | $3,522,000 | 1,635 |
| Salaries and employee benefits | $2,362,000 | 1,443 |
| Premises and equipment expense | $169,000 | 2,551 |
| Additional noninterest expense | $214,000 | 2,304 |
| Pre-tax net operating income | $560,000 | 2,684 |
| Securities gains (losses) | $0 | 689 |
| Applicable income taxes | $159,000 | 1,655 |
| Income before extraordinary items | $401,000 | 2,907 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $401,000 | 2,938 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $401,000 | 2,908 |
| Net charge-offs | $3,000 | 1,876 |
| Cash dividends | $0 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $5,098,000 | 17 |
| Net operating income | $401,000 | 2,909 |
| 2023-12-31 (YTD Data) | Rank | |
| Total interest income | $23,858,000 | 1,667 |
| Total interest expense | $11,876,000 | 1,149 |
| Net interest income | $11,982,000 | 2,112 |
| Provision for loan and lease losses | $2,087,000 | 542 |
| Total noninterest income | $948,000 | 2,790 |
| Gross Fiduciary activities income | $0 | 981 |
| Service charges on deposit accounts | $115,000 | 3,246 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $833,000 | 2,470 |
| Total noninterest expense | $12,476,000 | 1,763 |
| Salaries and employee benefits | $8,825,000 | 1,480 |
| Premises and equipment expense | $641,000 | 2,608 |
| Additional noninterest expense | $833,000 | 2,470 |
| Pre-tax net operating income | $-1,633,000 | 4,523 |
| Securities gains (losses) | $0 | 988 |
| Applicable income taxes | $-381,000 | 4,494 |
| Income before extraordinary items | $-1,252,000 | 4,486 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,252,000 | 4,485 |
| Minority interest net income | $0 | 88 |
| Net income of bank and minority interests. | $-1,252,000 | 4,486 |
| Net charge-offs | $1,000 | 2,818 |
| Cash dividends | $0 | 3,459 |
| Sale, conversion, retirement of capital stock, net | $8,281,000 | 64 |
| Net operating income | $-1,252,000 | 4,503 |
| 2023-09-30 (YTD Data) | Rank | |
| Total interest income | $16,008,000 | 1,769 |
| Total interest expense | $7,688,000 | 1,193 |
| Net interest income | $8,320,000 | 2,250 |
| Provision for loan and lease losses | $1,539,000 | 523 |
| Total noninterest income | $775,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 950 |
| Service charges on deposit accounts | $82,000 | 3,300 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $693,000 | 2,339 |
| Total noninterest expense | $9,281,000 | 1,771 |
| Salaries and employee benefits | $6,551,000 | 1,487 |
| Premises and equipment expense | $464,000 | 2,662 |
| Additional noninterest expense | $693,000 | 2,338 |
| Pre-tax net operating income | $-1,725,000 | 4,533 |
| Securities gains (losses) | $0 | 849 |
| Applicable income taxes | $-401,000 | 4,555 |
| Income before extraordinary items | $-1,324,000 | 4,544 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $-1,324,000 | 4,542 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,324,000 | 4,544 |
| Net charge-offs | $0 | 2,641 |
| Cash dividends | $0 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $3,191,000 | 98 |
| Net operating income | $-1,324,000 | 4,551 |
| 2023-06-30 (YTD Data) | Rank | |
| Total interest income | $9,656,000 | 1,878 |
| Total interest expense | $4,474,000 | 1,212 |
| Net interest income | $5,182,000 | 2,367 |
| Provision for loan and lease losses | $1,419,000 | 429 |
| Total noninterest income | $592,000 | 2,494 |
| Gross Fiduciary activities income | $0 | 931 |
| Service charges on deposit accounts | $51,000 | 3,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $541,000 | 2,119 |
| Total noninterest expense | $6,232,000 | 1,752 |
| Salaries and employee benefits | $4,405,000 | 1,463 |
| Premises and equipment expense | $313,000 | 2,640 |
| Additional noninterest expense | $541,000 | 2,116 |
| Pre-tax net operating income | $-1,877,000 | 4,587 |
| Securities gains (losses) | $0 | 938 |
| Applicable income taxes | $-458,000 | 4,606 |
| Income before extraordinary items | $-1,419,000 | 4,599 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,419,000 | 4,597 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,419,000 | 4,598 |
| Net charge-offs | $0 | 2,431 |
| Cash dividends | $0 | 2,952 |
| Sale, conversion, retirement of capital stock, net | $3,103,000 | 60 |
| Net operating income | $-1,419,000 | 4,600 |
| 2023-03-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 2,065 |
| Total interest expense | $1,699,000 | 1,319 |
| Net interest income | $2,422,000 | 2,484 |
| Provision for loan and lease losses | $756,000 | 406 |
| Total noninterest income | $489,000 | 1,974 |
| Gross Fiduciary activities income | $0 | 913 |
| Service charges on deposit accounts | $24,000 | 3,414 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $465,000 | 1,581 |
| Total noninterest expense | $2,866,000 | 1,883 |
| Salaries and employee benefits | $2,052,000 | 1,599 |
| Premises and equipment expense | $155,000 | 2,705 |
| Additional noninterest expense | $465,000 | 1,581 |
| Pre-tax net operating income | $-711,000 | 4,629 |
| Securities gains (losses) | $0 | 950 |
| Applicable income taxes | $-179,000 | 4,606 |
| Income before extraordinary items | $-532,000 | 4,597 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-532,000 | 4,597 |
| Minority interest net income | $0 | 48 |
| Net income of bank and minority interests. | $-532,000 | 4,597 |
| Net charge-offs | $0 | 2,062 |
| Cash dividends | $0 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $3,021,000 | 36 |
| Net operating income | $-532,000 | 4,606 |
| 2022-12-31 (YTD Data) | Rank | |
| Total interest income | $8,418,000 | 2,776 |
| Total interest expense | $1,476,000 | 1,929 |
| Net interest income | $6,942,000 | 2,890 |
| Provision for loan and lease losses | $3,177,000 | 381 |
| Total noninterest income | $188,000 | 4,187 |
| Gross Fiduciary activities income | $0 | 1,005 |
| Service charges on deposit accounts | $59,000 | 3,837 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 4,051 |
| Total noninterest expense | $8,513,000 | 2,217 |
| Salaries and employee benefits | $6,258,000 | 1,903 |
| Premises and equipment expense | $447,000 | 3,142 |
| Additional noninterest expense | $129,000 | 4,051 |
| Pre-tax net operating income | $-4,560,000 | 4,699 |
| Securities gains (losses) | $0 | 691 |
| Applicable income taxes | $-1,104,000 | 4,678 |
| Income before extraordinary items | $-3,456,000 | 4,675 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-3,456,000 | 4,674 |
| Minority interest net income | $0 | 63 |
| Net income of bank and minority interests. | $-3,456,000 | 4,675 |
| Net charge-offs | $5,000 | 2,318 |
| Cash dividends | $0 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $6,855,000 | 102 |
| Net operating income | $-3,456,000 | 4,679 |
| 2022-09-30 (YTD Data) | Rank | |
| Total interest income | $5,188,000 | 3,008 |
| Total interest expense | $619,000 | 2,365 |
| Net interest income | $4,569,000 | 3,053 |
| Provision for loan and lease losses | $1,532,000 | 473 |
| Total noninterest income | $90,000 | 4,387 |
| Gross Fiduciary activities income | $0 | 968 |
| Service charges on deposit accounts | $40,000 | 3,919 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 4,321 |
| Total noninterest expense | $6,119,000 | 2,267 |
| Salaries and employee benefits | $4,467,000 | 1,958 |
| Premises and equipment expense | $312,000 | 3,250 |
| Additional noninterest expense | $50,000 | 4,321 |
| Pre-tax net operating income | $-2,992,000 | 4,742 |
| Securities gains (losses) | $0 | 740 |
| Applicable income taxes | $-721,000 | 4,716 |
| Income before extraordinary items | $-2,271,000 | 4,708 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-2,271,000 | 4,708 |
| Minority interest net income | $0 | 57 |
| Net income of bank and minority interests. | $-2,271,000 | 4,708 |
| Net charge-offs | $5,000 | 2,006 |
| Cash dividends | $0 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $4,794,000 | 95 |
| Net operating income | $-2,271,000 | 4,723 |
| 2022-06-30 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 3,262 |
| Total interest expense | $326,000 | 2,553 |
| Net interest income | $2,502,000 | 3,311 |
| Provision for loan and lease losses | $995,000 | 433 |
| Total noninterest income | $39,000 | 4,520 |
| Gross Fiduciary activities income | $0 | 925 |
| Service charges on deposit accounts | $23,000 | 4,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 4,523 |
| Total noninterest expense | $3,985,000 | 2,290 |
| Salaries and employee benefits | $2,952,000 | 1,966 |
| Premises and equipment expense | $187,000 | 3,425 |
| Additional noninterest expense | $846,000 | 2,895 |
| Pre-tax net operating income | $-2,439,000 | 4,760 |
| Securities gains (losses) | $0 | 687 |
| Applicable income taxes | $-594,000 | 4,729 |
| Income before extraordinary items | $-1,845,000 | 4,729 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-1,845,000 | 4,729 |
| Minority interest net income | $0 | 60 |
| Net income of bank and minority interests. | $-1,845,000 | 4,729 |
| Net charge-offs | $2,000 | 1,931 |
| Cash dividends | $0 | 2,961 |
| Sale, conversion, retirement of capital stock, net | $726,000 | 166 |
| Net operating income | $-1,845,000 | 4,746 |
| 2022-03-31 (YTD Data) | Rank | |
| Total interest income | $1,065,000 | 3,580 |
| Total interest expense | $121,000 | 2,926 |
| Net interest income | $944,000 | 3,637 |
| Provision for loan and lease losses | $647,000 | 276 |
| Total noninterest income | $11,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 892 |
| Service charges on deposit accounts | $6,000 | 4,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 4,585 |
| Total noninterest expense | $1,914,000 | 2,353 |
| Salaries and employee benefits | $1,464,000 | 1,968 |
| Premises and equipment expense | $93,000 | 3,448 |
| Additional noninterest expense | $357,000 | 3,161 |
| Pre-tax net operating income | $-1,606,000 | 4,786 |
| Securities gains (losses) | $0 | 623 |
| Applicable income taxes | $-398,000 | 4,767 |
| Income before extraordinary items | $-1,208,000 | 4,771 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-1,208,000 | 4,771 |
| Minority interest net income | $0 | 50 |
| Net income of bank and minority interests. | $-1,208,000 | 4,771 |
| Net charge-offs | $0 | 1,838 |
| Cash dividends | $0 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 191 |
| Net operating income | $-1,208,000 | 4,777 |
| 2021-12-31 (YTD Data) | Rank | |
| Total interest income | $774,000 | 4,723 |
| Total interest expense | $73,000 | 4,619 |
| Net interest income | $701,000 | 4,715 |
| Provision for loan and lease losses | $770,000 | 749 |
| Total noninterest income | $7,000 | 4,790 |
| Gross Fiduciary activities income | $0 | 994 |
| Service charges on deposit accounts | $4,000 | 4,669 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 4,764 |
| Total noninterest expense | $5,415,000 | 2,880 |
| Salaries and employee benefits | $2,672,000 | 3,106 |
| Premises and equipment expense | $137,000 | 4,392 |
| Additional noninterest expense | $2,606,000 | 2,194 |
| Pre-tax net operating income | $-5,477,000 | 4,838 |
| Securities gains (losses) | $0 | 2,062 |
| Applicable income taxes | $-1,371,000 | 4,826 |
| Income before extraordinary items | $-4,106,000 | 4,828 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-4,106,000 | 4,828 |
| Minority interest net income | $0 | 74 |
| Net income of bank and minority interests. | $-4,106,000 | 4,828 |
| Net charge-offs | $0 | 2,705 |
| Cash dividends | $0 | 3,608 |
| Sale, conversion, retirement of capital stock, net | $44,588,000 | 18 |
| Net operating income | $-4,106,000 | 4,827 |
| 2021-09-30 (YTD Data) | Rank | |
| Total interest income | $202,000 | 4,882 |
| Total interest expense | $17,000 | 4,846 |
| Net interest income | $185,000 | 4,883 |
| Provision for loan and lease losses | $366,000 | 1,032 |
| Total noninterest income | $2,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 957 |
| Service charges on deposit accounts | $1,000 | 4,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 4,842 |
| Total noninterest expense | $3,622,000 | 3,085 |
| Salaries and employee benefits | $1,326,000 | 3,697 |
| Premises and equipment expense | $72,000 | 4,638 |
| Additional noninterest expense | $2,224,000 | 1,998 |
| Pre-tax net operating income | $-3,801,000 | 4,914 |
| Securities gains (losses) | $0 | 2,015 |
| Applicable income taxes | $-960,000 | 4,905 |
| Income before extraordinary items | $-2,841,000 | 4,899 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $-2,841,000 | 4,899 |
| Minority interest net income | $0 | 69 |
| Net income of bank and minority interests. | $-2,841,000 | 4,899 |
| Net charge-offs | $0 | 2,463 |
| Cash dividends | $0 | 3,251 |
| Sale, conversion, retirement of capital stock, net | $44,485,000 | 16 |
| Net operating income | $-2,841,000 | 4,898 |
| 2021-06-30 (YTD Data) | Rank | |
| Total interest income | $16,000 | 4,947 |
| Total interest expense | $1,000 | 4,926 |
| Net interest income | $15,000 | 4,943 |
| Provision for loan and lease losses | $58,000 | 2,098 |
| Total noninterest income | $0 | 4,919 |
| Gross Fiduciary activities income | $0 | 951 |
| Service charges on deposit accounts | $0 | 4,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 4,878 |
| Total noninterest expense | $2,202,000 | 3,237 |
| Salaries and employee benefits | $274,000 | 4,723 |
| Premises and equipment expense | $18,000 | 4,873 |
| Additional noninterest expense | $1,910,000 | 1,634 |
| Pre-tax net operating income | $-2,245,000 | 4,947 |
| Securities gains (losses) | $0 | 1,818 |
| Applicable income taxes | $-569,000 | 4,934 |
| Income before extraordinary items | $-1,676,000 | 4,931 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $-1,676,000 | 4,930 |
| Minority interest net income | $0 | 67 |
| Net income of bank and minority interests. | $-1,676,000 | 4,930 |
| Net charge-offs | $0 | 2,245 |
| Cash dividends | $0 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $44,010,000 | 14 |
| Net operating income | $-1,676,000 | 4,932 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.