Call reports 2025
FINANCE FACTORS, LIMITED — 2025
What FINANCE FACTORS, LIMITED 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 | 711,499,000 | 708,870,000 | 714,281,000 | 688,184,000 |
| Total loans | 510,428,000 | 503,428,000 | 499,408,000 | 483,388,000 |
| Allowance for loan losses | 11,995,000 | 12,368,000 | 12,212,000 | 11,399,000 |
| Securities available for sale | 88,839,000 | 89,006,000 | 95,855,000 | 97,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 20,614,000 | 22,821,000 | 24,675,000 | 25,373,000 |
| Total deposits | 542,136,000 | 556,560,000 | 554,553,000 | 531,909,000 |
| Interest-bearing deposits | 541,304,000 | 555,159,000 | 554,042,000 | 530,716,000 |
| Noninterest-bearing deposits | 832,000 | 1,401,000 | 511,000 | 1,193,000 |
| Equity capital | 73,868,000 | 75,748,000 | 77,292,000 | 78,519,000 |
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 | 9,481,000 | 18,693,000 | 27,964,000 | 36,905,000 |
| Interest expense | 5,288,000 | 10,546,000 | 15,652,000 | 20,352,000 |
| Net interest income | 4,193,000 | 8,147,000 | 12,312,000 | 16,553,000 |
| Noninterest income | -857,000 | 1,416,000 | 3,610,000 | 4,719,000 |
| Noninterest expense | 4,032,000 | 7,943,000 | 12,467,000 | 16,868,000 |
| Provision for loan losses | -105,000 | 253,000 | 84,000 | -661,000 |
| Pretax income | -696,000 | 1,620,000 | 3,494,000 | 4,443,000 |
| Income tax | -194,000 | 378,000 | 764,000 | 38,000 |
| Net income | -502,000 | 1,242,000 | 2,730,000 | 4,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,371,000 | 77,476,000 | 78,716,000 | 79,890,000 |
| Total capital | 83,096,000 | 84,284,000 | 85,541,000 | 86,662,000 |
| Risk-weighted assets | 531,968,000 | 538,207,000 | 539,587,000 | 535,388,000 |