Call reports 2025
ONE FLORIDA BANK — 2025
What ONE FLORIDA 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 | 1,899,314,000 | 1,930,073,000 | 1,995,214,000 | 2,048,419,000 |
| Total loans | 1,538,298,000 | 1,567,932,000 | 1,562,939,000 | 1,621,272,000 |
| Allowance for loan losses | 12,962,000 | 13,168,000 | 13,151,000 | 13,522,000 |
| Securities available for sale | 79,287,000 | 76,259,000 | 77,103,000 | 76,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,706,087,000 | 1,729,953,000 | 1,764,546,000 | 1,810,842,000 |
| Interest-bearing deposits | 1,323,366,000 | 1,350,526,000 | 1,361,125,000 | 1,455,422,000 |
| Noninterest-bearing deposits | 382,721,000 | 379,427,000 | 403,421,000 | 355,420,000 |
| Equity capital | 168,228,000 | 174,820,000 | 182,000,000 | 189,078,000 |
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 | 26,322,000 | 53,289,000 | 81,912,000 | 110,273,000 |
| Interest expense | 10,813,000 | 21,832,000 | 33,677,000 | 44,944,000 |
| Net interest income | 15,509,000 | 31,457,000 | 48,235,000 | 65,329,000 |
| Noninterest income | 494,000 | 1,024,000 | 1,557,000 | 2,367,000 |
| Noninterest expense | 8,701,000 | 17,480,000 | 26,266,000 | 35,261,000 |
| Provision for loan losses | 439,000 | 632,000 | 603,000 | 962,000 |
| Pretax income | 6,896,000 | 14,482,000 | 22,987,000 | 31,534,000 |
| Income tax | 1,748,000 | 3,567,000 | 5,723,000 | 7,894,000 |
| Net income | 5,148,000 | 10,915,000 | 17,264,000 | 23,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,681,000 | 183,550,000 | 190,003,000 | 196,479,000 |
| Total capital | 190,783,000 | 196,777,000 | 203,261,000 | 210,112,000 |
| Risk-weighted assets | 1,739,746,000 | 1,762,706,000 | 1,758,081,000 | 1,831,086,000 |