Call reports 2025
BAKER BOYER NATIONAL BANK — 2025
What BAKER BOYER NATIONAL 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 | 675,907,000 | 679,686,000 | 685,998,000 | 709,631,000 |
| Total loans | 396,203,000 | 403,654,000 | 388,020,000 | 394,712,000 |
| Allowance for loan losses | 3,899,000 | 4,065,000 | 4,134,000 | 4,160,000 |
| Securities available for sale | 196,702,000 | 180,169,000 | 171,184,000 | 181,282,000 |
| Securities held to maturity | 495,000 | 496,000 | 496,000 | 254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,979,000 | 600,552,000 | 616,722,000 | 648,502,000 |
| Interest-bearing deposits | 377,062,000 | 386,114,000 | 396,322,000 | 428,504,000 |
| Noninterest-bearing deposits | 216,917,000 | 214,438,000 | 220,400,000 | 219,998,000 |
| Equity capital | 54,632,000 | 55,527,000 | 57,534,000 | 58,427,000 |
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 | 6,661,000 | 13,777,000 | 21,014,000 | 28,445,000 |
| Interest expense | 1,415,000 | 2,855,000 | 4,379,000 | 5,855,000 |
| Net interest income | 5,246,000 | 10,922,000 | 16,635,000 | 22,590,000 |
| Noninterest income | 3,381,000 | 6,670,000 | 10,115,000 | 13,989,000 |
| Noninterest expense | 7,549,000 | 15,555,000 | 23,531,000 | 31,788,000 |
| Provision for loan losses | 0 | 150,000 | 200,000 | 238,000 |
| Pretax income | 1,070,000 | 1,830,000 | 2,639,000 | 4,172,000 |
| Income tax | 202,000 | 315,000 | 486,000 | 787,000 |
| Net income | 868,000 | 1,515,000 | 2,153,000 | 3,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,490,000 | 62,482,000 | 62,420,000 | 62,694,000 |
| Total capital | 66,414,000 | 66,572,000 | 66,579,000 | 66,884,000 |
| Risk-weighted assets | 426,713,000 | 430,774,000 | 413,049,000 | 417,784,000 |