Call reports 2025
FIRST BANK OF OWASSO — 2025
What FIRST BANK OF OWASSO 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 | 628,972,000 | 592,811,000 | 592,645,000 | 584,463,000 |
| Total loans | 455,053,000 | 451,740,000 | 459,954,000 | 470,342,000 |
| Allowance for loan losses | 6,357,000 | 6,465,000 | 6,505,000 | 6,524,000 |
| Securities available for sale | 66,315,000 | 53,277,000 | 49,532,000 | 47,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,667,000 | 499,782,000 | 497,954,000 | 486,556,000 |
| Interest-bearing deposits | 432,246,000 | 390,251,000 | 393,599,000 | 380,562,000 |
| Noninterest-bearing deposits | 106,421,000 | 109,531,000 | 104,355,000 | 105,994,000 |
| Equity capital | 89,255,000 | 92,181,000 | 93,598,000 | 96,576,000 |
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 | 9,574,000 | 19,658,000 | 29,944,000 | 39,718,000 |
| Interest expense | 2,583,000 | 5,438,000 | 8,207,000 | 10,563,000 |
| Net interest income | 6,991,000 | 14,220,000 | 21,737,000 | 29,155,000 |
| Noninterest income | 844,000 | 1,692,000 | 2,597,000 | 3,642,000 |
| Noninterest expense | 3,303,000 | 6,603,000 | 10,037,000 | 13,579,000 |
| Provision for loan losses | 93,000 | 201,000 | 241,000 | 276,000 |
| Pretax income | 4,384,000 | 9,012,000 | 13,849,000 | 18,618,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,384,000 | 9,012,000 | 13,849,000 | 18,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,173,000 | 94,777,000 | 95,604,000 | 98,363,000 |
| Total capital | 98,614,000 | 101,103,000 | 102,067,000 | 104,981,000 |
| Risk-weighted assets | 514,648,000 | 505,248,000 | 516,144,000 | 528,589,000 |
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