Call reports 2025
FIRST INDEPENDENT BANK — 2025
What FIRST INDEPENDENT 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 | 524,396,000 | 546,544,000 | 575,207,000 | 600,188,000 |
| Total loans | 347,208,000 | 361,646,000 | 385,559,000 | 406,077,000 |
| Allowance for loan losses | 4,276,000 | 4,678,000 | 4,713,000 | 4,638,000 |
| Securities available for sale | 47,056,000 | 46,113,000 | 56,916,000 | 59,978,000 |
| Securities held to maturity | 87,180,000 | 84,643,000 | 83,621,000 | 83,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,395,000 | 447,626,000 | 484,395,000 | 507,366,000 |
| Interest-bearing deposits | 318,453,000 | 339,959,000 | 351,195,000 | 367,725,000 |
| Noninterest-bearing deposits | 114,942,000 | 107,667,000 | 133,200,000 | 139,641,000 |
| Equity capital | 41,398,000 | 44,071,000 | 45,500,000 | 47,617,000 |
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 | 6,616,000 | 13,509,000 | 21,190,000 | 29,108,000 |
| Interest expense | 2,486,000 | 4,954,000 | 7,748,000 | 10,406,000 |
| Net interest income | 4,130,000 | 8,555,000 | 13,442,000 | 18,702,000 |
| Noninterest income | 177,000 | 469,000 | 740,000 | 983,000 |
| Noninterest expense | 2,922,000 | 5,566,000 | 8,903,000 | 12,226,000 |
| Provision for loan losses | 150,000 | 250,000 | 600,000 | 814,000 |
| Pretax income | 1,196,000 | 3,268,000 | 4,725,000 | 6,675,000 |
| Income tax | 0 | 0 | -17,000 | 498,000 |
| Net income | 1,196,000 | 3,268,000 | 4,742,000 | 6,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,380,000 | 47,832,000 | 46,792,000 | 48,167,000 |
| Total capital | 49,901,000 | 52,656,000 | 51,655,000 | 52,955,000 |
| Risk-weighted assets | 428,488,000 | 413,698,000 | 468,556,000 | 467,023,000 |