Call reports 2025
OAKWORTH CAPITAL BANK — 2025
What OAKWORTH CAPITAL 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 | 1,817,074,000 | 1,849,287,000 | 1,923,330,000 | 2,046,870,000 |
| Total loans | 1,492,412,000 | 1,496,222,000 | 1,533,734,000 | 1,604,023,000 |
| Allowance for loan losses | 17,015,000 | 17,945,000 | 18,734,000 | 19,348,000 |
| Securities available for sale | 175,599,000 | 175,535,000 | 189,674,000 | 201,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,228,000 | 1,403,000 | 1,347,000 | 1,260,000 |
| Total deposits | 1,632,701,000 | 1,578,323,000 | 1,704,607,000 | 1,839,392,000 |
| Interest-bearing deposits | 1,356,171,000 | 1,299,174,000 | 1,397,942,000 | 1,526,301,000 |
| Noninterest-bearing deposits | 276,530,000 | 279,149,000 | 306,665,000 | 313,091,000 |
| Equity capital | 163,684,000 | 168,960,000 | 177,593,000 | 182,754,000 |
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 | 27,483,000 | 55,457,000 | 84,424,000 | 113,881,000 |
| Interest expense | 11,268,000 | 22,723,000 | 34,566,000 | 45,909,000 |
| Net interest income | 16,215,000 | 32,734,000 | 49,858,000 | 67,972,000 |
| Noninterest income | 4,206,000 | 8,316,000 | 12,658,000 | 17,250,000 |
| Noninterest expense | 12,207,000 | 24,987,000 | 38,070,000 | 52,563,000 |
| Provision for loan losses | 775,000 | 1,705,000 | 2,498,000 | 3,508,000 |
| Pretax income | 7,439,000 | 14,054,000 | 21,531,000 | 28,734,000 |
| Income tax | 1,844,000 | 3,479,000 | 5,324,000 | 6,661,000 |
| Net income | 5,595,000 | 10,575,000 | 16,207,000 | 22,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,106,000 | 177,520,000 | 183,591,000 | 187,871,000 |
| Total capital | 189,885,000 | 196,533,000 | 203,506,000 | 208,400,000 |
| Risk-weighted assets | 1,618,114,000 | 1,629,212,000 | 1,664,900,000 | 1,749,554,000 |