Call reports 2025
PREFERRED BANK — 2025
What PREFERRED 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 | 68,141,000 | 69,637,000 | 72,997,000 | 73,319,000 |
| Total loans | 43,746,000 | 45,542,000 | 47,603,000 | 47,326,000 |
| Allowance for loan losses | 276,000 | 266,000 | 283,000 | 280,000 |
| Securities available for sale | 12,091,000 | 12,547,000 | 12,655,000 | 12,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,654,000 | 64,129,000 | 67,191,000 | 67,559,000 |
| Interest-bearing deposits | 52,001,000 | 54,021,000 | 57,722,000 | 57,427,000 |
| Noninterest-bearing deposits | 10,653,000 | 10,108,000 | 9,469,000 | 10,132,000 |
| Equity capital | 5,292,000 | 5,298,000 | 5,570,000 | 5,608,000 |
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 | 838,000 | 1,685,000 | 2,605,000 | 3,519,000 |
| Interest expense | 338,000 | 694,000 | 1,058,000 | 1,440,000 |
| Net interest income | 500,000 | 991,000 | 1,547,000 | 2,079,000 |
| Noninterest income | 40,000 | 91,000 | 138,000 | 189,000 |
| Noninterest expense | 550,000 | 1,096,000 | 1,664,000 | 2,228,000 |
| Provision for loan losses | -8,000 | -13,000 | 14,000 | 10,000 |
| Pretax income | -9,000 | 5,000 | -2,000 | 28,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -9,000 | 4,000 | -3,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,965,000 | 5,977,000 | 5,965,000 | 5,995,000 |
| Total capital | 6,267,000 | 6,256,000 | 6,276,000 | 6,296,000 |
| Risk-weighted assets | 48,285,000 | 49,784,000 | 51,820,000 | 51,728,000 |