Call reports 2025
FIRST INDEPENDENCE BANK — 2025
What FIRST INDEPENDENCE 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 | 690,859,000 | 699,717,000 | 699,585,000 | 696,917,000 |
| Total loans | 370,962,000 | 393,786,000 | 394,733,000 | 421,343,000 |
| Allowance for loan losses | 5,215,000 | 5,561,000 | 5,535,000 | 5,878,000 |
| Securities available for sale | 126,056,000 | 120,582,000 | 118,390,000 | 118,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,091,000 | 527,863,000 | 530,488,000 | 532,613,000 |
| Interest-bearing deposits | 333,710,000 | 312,992,000 | 348,663,000 | 350,235,000 |
| Noninterest-bearing deposits | 189,381,000 | 214,871,000 | 181,825,000 | 182,378,000 |
| Equity capital | 57,389,000 | 59,797,000 | 62,167,000 | 64,135,000 |
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 | 7,401,000 | 15,296,000 | 22,822,000 | 30,581,000 |
| Interest expense | 3,117,000 | 6,349,000 | 9,515,000 | 12,693,000 |
| Net interest income | 4,284,000 | 8,947,000 | 13,307,000 | 17,888,000 |
| Noninterest income | 9,867,000 | 20,816,000 | 31,274,000 | 40,986,000 |
| Noninterest expense | 11,721,000 | 24,070,000 | 36,228,000 | 47,813,000 |
| Provision for loan losses | 110,000 | 420,000 | 434,000 | 755,000 |
| Pretax income | 2,121,000 | 5,174,000 | 7,820,000 | 10,112,000 |
| Income tax | 319,000 | 826,000 | 1,296,000 | 1,691,000 |
| Net income | 1,199,000 | 2,955,000 | 4,497,000 | 5,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,543,000 | 71,474,000 | 73,171,000 | 74,639,000 |