Call reports 2025
BANK OF ENGLAND — 2025
What BANK OF ENGLAND 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 | 347,772,000 | 335,863,000 | 338,576,000 | 328,622,000 |
| Total loans | 110,824,000 | 104,584,000 | 107,838,000 | 99,841,000 |
| Allowance for loan losses | 3,535,000 | 3,446,000 | 3,261,000 | 3,181,000 |
| Securities available for sale | 123,486,000 | 125,754,000 | 124,546,000 | 115,492,000 |
| Securities held to maturity | 17,740,000 | 17,954,000 | 19,252,000 | 21,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,838,000 | 254,858,000 | 257,132,000 | 249,465,000 |
| Interest-bearing deposits | 174,401,000 | 165,067,000 | 168,219,000 | 168,875,000 |
| Noninterest-bearing deposits | 84,437,000 | 89,791,000 | 88,913,000 | 80,590,000 |
| Equity capital | 65,228,000 | 64,591,000 | 65,394,000 | 65,578,000 |
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 | 3,739,000 | 7,490,000 | 11,199,000 | 14,733,000 |
| Interest expense | 1,112,000 | 2,132,000 | 3,102,000 | 4,046,000 |
| Net interest income | 2,627,000 | 5,358,000 | 8,097,000 | 10,687,000 |
| Noninterest income | 3,848,000 | 6,780,000 | 9,934,000 | 12,278,000 |
| Noninterest expense | 7,621,000 | 14,241,000 | 19,641,000 | 24,661,000 |
| Provision for loan losses | 107,000 | 19,000 | -153,000 | -235,000 |
| Pretax income | -1,253,000 | -2,122,000 | -1,457,000 | -1,461,000 |
| Income tax | -335,000 | -573,000 | -439,000 | -590,000 |
| Net income | -918,000 | -1,549,000 | -1,018,000 | -871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,560,000 | 64,929,000 | 65,460,000 | 65,607,000 |
| Total capital | 69,098,000 | 68,449,000 | 68,795,000 | 68,862,000 |
| Risk-weighted assets | 282,931,000 | 283,888,000 | 282,412,000 | 274,121,000 |