Call reports 2025
YOUNG AMERICANS BANK — 2025
What YOUNG AMERICANS 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 | 16,680,000 | 16,240,000 | 15,866,000 | 15,763,000 |
| Total loans | 44,000 | 39,000 | 46,000 | 43,000 |
| Allowance for loan losses | 5,000 | 5,000 | 6,000 | 6,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,601,000 | 14,046,000 | 13,334,000 | 13,264,000 |
| Interest-bearing deposits | 12,198,000 | 11,982,000 | 11,678,000 | 10,977,000 |
| Noninterest-bearing deposits | 2,403,000 | 2,064,000 | 1,656,000 | 2,287,000 |
| Equity capital | 1,910,000 | 2,008,000 | 2,252,000 | 2,246,000 |
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 | 192,000 | 404,000 | 575,000 | 719,000 |
| Interest expense | 56,000 | 97,000 | 140,000 | 175,000 |
| Net interest income | 136,000 | 307,000 | 435,000 | 544,000 |
| Noninterest income | 3,000 | 6,000 | 9,000 | 12,000 |
| Noninterest expense | 677,000 | 1,351,000 | 2,090,000 | 2,779,000 |
| Provision for loan losses | 2,000 | 2,000 | 3,000 | 3,000 |
| Pretax income | -540,000 | -1,040,000 | -1,649,000 | -2,226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -540,000 | -1,040,000 | -1,649,000 | -2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,909,000 | 2,008,000 | 2,252,000 | 2,246,000 |
| Total capital | 1,914,000 | 2,013,000 | 2,258,000 | 2,252,000 |
| Risk-weighted assets | 581,000 | 379,000 | 557,000 | 482,000 |
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