Call reports 2025
42 NORTH PRIVATE BANK — 2025
What 42 NORTH PRIVATE 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 | 211,207,000 | 186,704,000 | 176,986,000 | 177,864,000 |
| Total loans | 165,844,000 | 154,703,000 | 151,140,000 | 150,865,000 |
| Allowance for loan losses | 2,122,000 | 2,112,000 | 2,137,000 | 1,925,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,564,000 | 136,048,000 | 132,810,000 | 135,321,000 |
| Interest-bearing deposits | 152,104,000 | 132,575,000 | 129,284,000 | 132,833,000 |
| Noninterest-bearing deposits | 1,460,000 | 3,473,000 | 3,526,000 | 2,488,000 |
| Equity capital | 18,459,000 | 17,121,000 | 15,746,000 | 14,244,000 |
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 | 3,238,000 | 5,747,000 | 8,097,000 | 10,352,000 |
| Interest expense | 1,871,000 | 3,553,000 | 5,157,000 | 6,697,000 |
| Net interest income | 1,367,000 | 2,194,000 | 2,940,000 | 3,655,000 |
| Noninterest income | -321,000 | -571,000 | -571,000 | -573,000 |
| Noninterest expense | 2,044,000 | 4,267,000 | 6,388,000 | 8,600,000 |
| Provision for loan losses | 0 | 0 | 0 | 187,000 |
| Pretax income | -998,000 | -2,644,000 | -4,019,000 | -5,518,000 |
| Income tax | 0 | 17,000 | 17,000 | 20,000 |
| Net income | -998,000 | -2,661,000 | -4,036,000 | -5,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,436,000 | 17,065,000 | 15,697,000 | 14,180,000 |
| Total capital | 19,903,000 | 18,419,000 | 17,008,000 | 15,516,000 |
| Risk-weighted assets | 116,523,000 | 107,400,000 | 103,868,000 | 106,289,000 |