Call reports 2025
FRIEND BANK — 2025
What FRIEND 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 | 209,897,000 | 208,157,000 | 213,312,000 | 213,000,000 |
| Total loans | 131,027,000 | 132,748,000 | 135,820,000 | 138,326,000 |
| Allowance for loan losses | 2,542,000 | 2,589,000 | 2,564,000 | 2,632,000 |
| Securities available for sale | 30,832,000 | 31,774,000 | 32,945,000 | 34,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,166,000 | 179,111,000 | 183,322,000 | 182,700,000 |
| Interest-bearing deposits | 132,512,000 | 130,936,000 | 134,708,000 | 136,274,000 |
| Noninterest-bearing deposits | 48,654,000 | 48,175,000 | 48,614,000 | 46,426,000 |
| Equity capital | 27,834,000 | 28,191,000 | 29,028,000 | 29,112,000 |
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 | 2,880,000 | 5,953,000 | 8,985,000 | 12,114,000 |
| Interest expense | 766,000 | 1,508,000 | 2,293,000 | 3,074,000 |
| Net interest income | 2,114,000 | 4,445,000 | 6,692,000 | 9,040,000 |
| Noninterest income | 250,000 | 500,000 | 770,000 | 979,000 |
| Noninterest expense | 1,483,000 | 3,030,000 | 4,693,000 | 6,433,000 |
| Provision for loan losses | 47,000 | 68,000 | 117,000 | 308,000 |
| Pretax income | 830,000 | 1,845,000 | 2,641,000 | 3,270,000 |
| Income tax | 50,000 | 96,000 | 101,000 | 119,000 |
| Net income | 780,000 | 1,749,000 | 2,540,000 | 3,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,562,000 | 29,010,000 | 29,279,000 | 29,268,000 |