Call reports 2025
CHOICE FINANCIAL GROUP — 2025
What CHOICE FINANCIAL GROUP 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 | 5,629,168,000 | 5,760,398,000 | 5,747,684,000 | 5,954,318,000 |
| Total loans | 3,136,673,000 | 3,204,698,000 | 3,187,663,000 | 3,179,372,000 |
| Allowance for loan losses | 39,382,000 | 40,839,000 | 38,271,000 | 37,307,000 |
| Securities available for sale | 1,767,203,000 | 1,856,993,000 | 1,956,095,000 | 2,175,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 42,000 | 47,000 | 75,000 | 71,000 |
| Total deposits | 4,963,966,000 | 4,908,962,000 | 5,015,579,000 | 5,131,463,000 |
| Interest-bearing deposits | 4,263,267,000 | 4,181,291,000 | 4,320,427,000 | 4,368,546,000 |
| Noninterest-bearing deposits | 700,699,000 | 727,671,000 | 695,152,000 | 762,917,000 |
| Equity capital | 619,351,000 | 637,397,000 | 659,146,000 | 683,175,000 |
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 | 75,373,000 | 152,980,000 | 233,235,000 | 313,050,000 |
| Interest expense | 35,595,000 | 71,524,000 | 108,736,000 | 142,774,000 |
| Net interest income | 39,778,000 | 81,456,000 | 124,499,000 | 170,276,000 |
| Noninterest income | 11,057,000 | 23,222,000 | 35,697,000 | 50,486,000 |
| Noninterest expense | 26,145,000 | 55,631,000 | 87,739,000 | 120,596,000 |
| Provision for loan losses | 1,761,000 | 3,519,000 | 2,956,000 | 7,275,000 |
| Pretax income | 22,451,000 | 45,352,000 | 69,285,000 | 92,878,000 |
| Income tax | 5,480,000 | 10,728,000 | 17,272,000 | 23,195,000 |
| Net income | 16,971,000 | 34,624,000 | 52,013,000 | 69,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 574,822,000 | 593,011,000 | 610,917,000 | 629,059,000 |