Call reports 2025
21ST CENTURY BANK — 2025
What 21ST CENTURY 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 | 820,381,000 | 819,407,000 | 864,569,000 | 875,946,000 |
| Total loans | 612,247,000 | 614,514,000 | 633,226,000 | 660,855,000 |
| Allowance for loan losses | 5,852,000 | 5,767,000 | 5,767,000 | 5,868,000 |
| Securities available for sale | 159,900,000 | 173,285,000 | 187,320,000 | 193,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,335,000 | 624,361,000 | 664,011,000 | 658,596,000 |
| Interest-bearing deposits | 487,549,000 | 491,834,000 | 511,878,000 | 525,929,000 |
| Noninterest-bearing deposits | 138,786,000 | 132,527,000 | 152,133,000 | 132,667,000 |
| Equity capital | 78,154,000 | 78,659,000 | 84,016,000 | 87,239,000 |
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 | 10,686,000 | 22,298,000 | 34,335,000 | 46,902,000 |
| Interest expense | 4,860,000 | 9,969,000 | 15,176,000 | 20,256,000 |
| Net interest income | 5,826,000 | 12,329,000 | 19,159,000 | 26,646,000 |
| Noninterest income | 154,000 | 311,000 | 449,000 | 1,163,000 |
| Noninterest expense | 3,941,000 | 7,350,000 | 10,772,000 | 14,218,000 |
| Provision for loan losses | 192,000 | 192,000 | 192,000 | 292,000 |
| Pretax income | 1,839,000 | 4,907,000 | 8,453,000 | 12,853,000 |
| Income tax | 533,000 | 1,423,000 | 2,451,000 | 3,549,000 |
| Net income | 1,306,000 | 3,484,000 | 6,002,000 | 9,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,985,000 | 88,163,000 | 90,681,000 | 93,981,000 |
| Total capital | 91,904,000 | 94,180,000 | 96,448,000 | 100,354,000 |
| Risk-weighted assets | 565,438,000 | 580,515,000 | 620,298,000 | 647,036,000 |