Call reports 2025
MODERN BANK, NATIONAL ASSOCIATION — 2025
What MODERN BANK, NATIONAL ASSOCIATION 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 | 744,299,000 | 710,834,000 | 659,973,000 | 664,062,000 |
| Total loans | 501,407,000 | 468,904,000 | 485,195,000 | 487,125,000 |
| Allowance for loan losses | 7,885,000 | 6,972,000 | 8,827,000 | 7,919,000 |
| Securities available for sale | 51,814,000 | 50,252,000 | 48,781,000 | 45,818,000 |
| Securities held to maturity | 45,631,000 | 43,618,000 | 41,803,000 | 54,894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,478,000 | 533,925,000 | 496,589,000 | 512,893,000 |
| Interest-bearing deposits | 509,984,000 | 446,612,000 | 427,435,000 | 443,490,000 |
| Noninterest-bearing deposits | 54,494,000 | 87,313,000 | 69,154,000 | 69,403,000 |
| Equity capital | 85,640,000 | 83,219,000 | 79,457,000 | 66,973,000 |
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 | 10,265,000 | 20,399,000 | 29,850,000 | 39,155,000 |
| Interest expense | 6,161,000 | 12,165,000 | 17,205,000 | 22,316,000 |
| Net interest income | 4,104,000 | 8,234,000 | 12,645,000 | 16,839,000 |
| Noninterest income | 327,000 | 408,000 | 505,000 | 780,000 |
| Noninterest expense | 4,679,000 | 8,859,000 | 12,978,000 | 19,432,000 |
| Provision for loan losses | 1,877,000 | 5,504,000 | 10,850,000 | 18,793,000 |
| Pretax income | -2,130,000 | -5,738,000 | -10,665,000 | -20,606,000 |
| Income tax | -569,000 | -1,532,000 | -2,782,000 | -326,000 |
| Net income | -1,561,000 | -4,206,000 | -7,883,000 | -20,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,133,000 | 80,383,000 | 76,293,000 | 64,043,000 |
| Total capital | 89,701,000 | 86,576,000 | 82,589,000 | 70,415,000 |
| Risk-weighted assets | 524,000,000 | 494,457,000 | 501,041,000 | 508,132,000 |
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