Call reports 2025
SOVEREIGN BANK — 2025
What SOVEREIGN 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 | 1,212,024,000 | 1,295,981,000 | 1,315,963,000 | 1,360,197,000 |
| Total loans | 967,462,000 | 1,002,545,000 | 1,033,121,000 | 1,069,255,000 |
| Allowance for loan losses | 13,624,000 | 13,829,000 | 14,288,000 | 14,516,000 |
| Securities available for sale | 118,523,000 | 137,712,000 | 136,605,000 | 163,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,036,957,000 | 1,063,992,000 | 1,067,734,000 | 1,122,926,000 |
| Interest-bearing deposits | 911,977,000 | 942,127,000 | 938,716,000 | 999,637,000 |
| Noninterest-bearing deposits | 124,980,000 | 121,865,000 | 129,018,000 | 123,289,000 |
| Equity capital | 132,005,000 | 143,183,000 | 149,771,000 | 154,143,000 |
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 | 18,730,000 | 38,932,000 | 59,594,000 | 80,272,000 |
| Interest expense | 6,952,000 | 14,176,000 | 21,563,000 | 29,209,000 |
| Net interest income | 11,778,000 | 24,756,000 | 38,031,000 | 51,063,000 |
| Noninterest income | 785,000 | 1,287,000 | 1,779,000 | 2,371,000 |
| Noninterest expense | 9,556,000 | 19,218,000 | 29,328,000 | 40,344,000 |
| Provision for loan losses | 150,000 | 400,000 | 850,000 | 1,100,000 |
| Pretax income | 2,857,000 | 6,425,000 | 9,632,000 | 11,990,000 |
| Income tax | 573,000 | 1,477,000 | 2,106,000 | 2,185,000 |
| Net income | 2,284,000 | 4,948,000 | 7,526,000 | 9,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,022,000 | 128,930,000 | 133,464,000 | 137,791,000 |
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