Call reports 2025
PORTAGE COMMUNITY BANK — 2025
What PORTAGE COMMUNITY 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 | 520,548,000 | 517,503,000 | 524,228,000 | 533,410,000 |
| Total loans | 374,323,000 | 379,994,000 | 391,966,000 | 397,982,000 |
| Allowance for loan losses | 3,495,000 | 3,635,000 | 3,660,000 | 3,814,000 |
| Securities available for sale | 99,264,000 | 99,867,000 | 96,978,000 | 101,570,000 |
| Securities held to maturity | 3,100,000 | 3,100,000 | 3,100,000 | 3,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,769,000 | 461,510,000 | 457,374,000 | 467,846,000 |
| Interest-bearing deposits | 367,101,000 | 365,270,000 | 363,227,000 | 378,615,000 |
| Noninterest-bearing deposits | 93,668,000 | 96,240,000 | 94,147,000 | 89,231,000 |
| Equity capital | 48,015,000 | 48,399,000 | 51,679,000 | 53,091,000 |
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 | 6,020,000 | 12,296,000 | 18,854,000 | 25,550,000 |
| Interest expense | 2,323,000 | 4,592,000 | 6,854,000 | 9,195,000 |
| Net interest income | 3,697,000 | 7,704,000 | 12,000,000 | 16,355,000 |
| Noninterest income | 586,000 | 1,214,000 | 1,843,000 | 2,502,000 |
| Noninterest expense | 3,102,000 | 6,281,000 | 9,134,000 | 12,218,000 |
| Provision for loan losses | 25,000 | 165,000 | 189,000 | 342,000 |
| Pretax income | 1,156,000 | 2,472,000 | 4,503,000 | 5,998,000 |
| Income tax | 200,000 | 448,000 | 809,000 | 1,115,000 |
| Net income | 956,000 | 2,024,000 | 3,694,000 | 4,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,843,000 | 56,216,000 | 57,883,000 | 58,822,000 |
| Total capital | 59,450,000 | 59,963,000 | 61,672,000 | 62,758,000 |
| Risk-weighted assets | 378,476,000 | 386,615,000 | 392,594,000 | 399,738,000 |