Call reports 2025
ION BANK — 2025
What ION 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 | 2,159,947,000 | 2,786,834,000 | 2,768,012,000 | 2,732,114,000 |
| Total loans | 1,667,944,000 | 2,031,299,000 | 2,057,244,000 | 2,052,904,000 |
| Allowance for loan losses | 17,762,000 | 21,433,000 | 21,560,000 | 22,308,000 |
| Securities available for sale | 207,294,000 | 261,637,000 | 246,616,000 | 246,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,456,000 | 11,820,000 | 11,431,000 | 11,433,000 |
| Total deposits | 1,848,334,000 | 2,280,727,000 | 2,256,095,000 | 2,231,226,000 |
| Interest-bearing deposits | 1,300,944,000 | 1,610,295,000 | 1,600,539,000 | 1,571,513,000 |
| Noninterest-bearing deposits | 547,390,000 | 670,432,000 | 655,556,000 | 659,713,000 |
| Equity capital | 219,018,000 | 338,653,000 | 346,871,000 | 329,905,000 |
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 | 26,722,000 | 59,597,000 | 95,137,000 | 130,364,000 |
| Interest expense | 7,146,000 | 15,698,000 | 25,484,000 | 34,317,000 |
| Net interest income | 19,576,000 | 43,899,000 | 69,653,000 | 96,047,000 |
| Noninterest income | 6,279,000 | 22,975,000 | 29,975,000 | 34,166,000 |
| Noninterest expense | 18,342,000 | 49,257,000 | 74,157,000 | 104,093,000 |
| Provision for loan losses | 502,000 | 3,641,000 | 4,244,000 | 5,692,000 |
| Pretax income | 6,777,000 | 14,419,000 | 22,971,000 | 22,044,000 |
| Income tax | 1,352,000 | 379,000 | 2,071,000 | 2,121,000 |
| Net income | 5,425,000 | 14,040,000 | 20,900,000 | 19,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 214,010,000 | 323,778,000 | 331,155,000 | 312,803,000 |
| Total capital | 232,424,000 | 344,946,000 | 352,438,000 | 334,886,000 |
| Risk-weighted assets | 1,746,366,000 | 2,070,270,000 | 2,098,297,000 | 2,103,766,000 |