Call reports 2025
FLATIRONS BANK — 2025
What FLATIRONS 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 | 345,906,000 | 386,807,000 | 354,298,000 | 359,778,000 |
| Total loans | 257,148,000 | 256,623,000 | 248,445,000 | 245,634,000 |
| Allowance for loan losses | 3,519,000 | 3,177,000 | 3,067,000 | 3,021,000 |
| Securities available for sale | 51,639,000 | 50,235,000 | 49,687,000 | 50,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,101,000 | 358,635,000 | 323,441,000 | 327,394,000 |
| Interest-bearing deposits | 265,822,000 | 304,498,000 | 264,567,000 | 268,218,000 |
| Noninterest-bearing deposits | 52,279,000 | 54,137,000 | 58,874,000 | 59,176,000 |
| Equity capital | 23,566,000 | 23,891,000 | 26,219,000 | 27,481,000 |
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 | 4,671,000 | 9,575,000 | 14,453,000 | 19,294,000 |
| Interest expense | 1,691,000 | 3,295,000 | 4,902,000 | 6,363,000 |
| Net interest income | 2,980,000 | 6,280,000 | 9,551,000 | 12,931,000 |
| Noninterest income | 384,000 | 572,000 | 1,124,000 | 1,937,000 |
| Noninterest expense | 2,266,000 | 4,526,000 | 7,137,000 | 10,141,000 |
| Provision for loan losses | 200,000 | 800,000 | 680,000 | 625,000 |
| Pretax income | 948,000 | 1,666,000 | 2,986,000 | 4,275,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 948,000 | 1,666,000 | 2,986,000 | 4,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,497,000 | 29,895,000 | 30,715,000 | 31,484,000 |
| Total capital | 32,703,000 | 33,065,000 | 33,696,000 | 34,455,000 |
| Risk-weighted assets | 255,842,000 | 253,399,000 | 238,226,000 | 237,541,000 |