Call reports 2025
CHOICEONE BANK — 2025
What CHOICEONE 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 | 4,300,782,000 | 4,305,175,000 | 4,291,775,000 | 4,407,418,000 |
| Total loans | 2,928,896,000 | 2,928,431,000 | 2,916,252,000 | 3,029,218,000 |
| Allowance for loan losses | 34,567,000 | 34,798,000 | 34,754,000 | 35,550,000 |
| Securities available for sale | 480,650,000 | 479,426,000 | 544,023,000 | 554,420,000 |
| Securities held to maturity | 394,434,000 | 390,457,000 | 388,517,000 | 385,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,656,733,000 | 3,594,067,000 | 3,568,402,000 | 3,602,337,000 |
| Interest-bearing deposits | 2,739,696,000 | 2,648,751,000 | 2,663,106,000 | 2,693,017,000 |
| Noninterest-bearing deposits | 917,037,000 | 945,316,000 | 905,296,000 | 909,320,000 |
| Equity capital | 473,690,000 | 477,712,000 | 491,679,000 | 506,677,000 |
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 | 39,951,000 | 93,873,000 | 148,563,000 | 202,915,000 |
| Interest expense | 13,074,000 | 29,864,000 | 46,221,000 | 63,077,000 |
| Net interest income | 26,877,000 | 64,009,000 | 102,342,000 | 139,838,000 |
| Noninterest income | 4,769,000 | 10,953,000 | 17,579,000 | 23,818,000 |
| Noninterest expense | 33,941,000 | 59,267,000 | 85,341,000 | 110,577,000 |
| Provision for loan losses | 13,163,000 | 13,813,000 | 14,013,000 | 15,113,000 |
| Pretax income | -15,394,000 | 1,963,000 | 20,699,000 | 38,420,000 |
| Income tax | -3,416,000 | -102,000 | 3,647,000 | 6,777,000 |
| Net income | -11,978,000 | 2,065,000 | 17,052,000 | 31,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 357,911,000 | 368,214,000 | 377,017,000 | 382,914,000 |
| Total capital | 392,114,000 | 402,647,000 | 411,407,000 | 417,800,000 |
| Risk-weighted assets | 3,285,281,000 | 3,259,054,000 | 3,224,074,000 | 3,344,552,000 |