Call reports 2025
FIRST INDEPENDENT BANK — 2025
What FIRST INDEPENDENT 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 | 137,419,000 | 139,681,000 | 140,442,000 | 139,431,000 |
| Total loans | 74,215,000 | 72,969,000 | 74,303,000 | 74,442,000 |
| Allowance for loan losses | 1,015,000 | 1,019,000 | 1,062,000 | 1,090,000 |
| Securities available for sale | 35,615,000 | 37,249,000 | 37,881,000 | 37,885,000 |
| Securities held to maturity | 9,448,000 | 10,824,000 | 10,864,000 | 11,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,199,000 | 124,858,000 | 124,924,000 | 123,730,000 |
| Interest-bearing deposits | 93,739,000 | 95,675,000 | 95,332,000 | 94,952,000 |
| Noninterest-bearing deposits | 29,460,000 | 29,183,000 | 29,592,000 | 28,778,000 |
| Equity capital | 13,728,000 | 14,423,000 | 15,083,000 | 15,342,000 |
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 | 1,722,000 | 3,516,000 | 5,341,000 | 7,222,000 |
| Interest expense | 565,000 | 1,130,000 | 1,681,000 | 2,224,000 |
| Net interest income | 1,157,000 | 2,386,000 | 3,660,000 | 4,998,000 |
| Noninterest income | 110,000 | 248,000 | 350,000 | 486,000 |
| Noninterest expense | 849,000 | 1,685,000 | 2,572,000 | 3,854,000 |
| Provision for loan losses | 56,000 | 82,000 | 161,000 | 203,000 |
| Pretax income | 364,000 | 858,000 | 1,267,000 | 1,430,000 |
| Income tax | 92,000 | 107,000 | 187,000 | 225,000 |
| Net income | 272,000 | 751,000 | 1,080,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,343,000 | 15,822,000 | 16,151,000 | 16,276,000 |
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