Call reports 2025
SOLUTIONS NORTH BANK — 2025
What SOLUTIONS NORTH 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 | 484,246,000 | 468,472,000 | 467,990,000 | 471,789,000 |
| Total loans | 275,659,000 | 284,513,000 | 284,685,000 | 297,515,000 |
| Allowance for loan losses | 4,941,000 | 5,023,000 | 5,089,000 | 5,165,000 |
| Securities available for sale | 142,163,000 | 148,276,000 | 148,659,000 | 136,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,080,000 | 396,395,000 | 390,017,000 | 387,888,000 |
| Interest-bearing deposits | 335,021,000 | 321,427,000 | 311,927,000 | 310,094,000 |
| Noninterest-bearing deposits | 79,059,000 | 74,968,000 | 78,090,000 | 77,794,000 |
| Equity capital | 52,645,000 | 54,382,000 | 57,088,000 | 57,286,000 |
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 | 6,432,000 | 12,853,000 | 19,380,000 | 25,899,000 |
| Interest expense | 2,140,000 | 4,285,000 | 6,385,000 | 8,401,000 |
| Net interest income | 4,292,000 | 8,568,000 | 12,995,000 | 17,498,000 |
| Noninterest income | 282,000 | 533,000 | 917,000 | 1,179,000 |
| Noninterest expense | 2,931,000 | 5,750,000 | 8,636,000 | 11,364,000 |
| Provision for loan losses | 127,000 | 238,000 | 328,000 | 424,000 |
| Pretax income | 1,558,000 | 3,239,000 | 5,074,000 | 7,160,000 |
| Income tax | 390,000 | 818,000 | 1,260,000 | 2,101,000 |
| Net income | 1,168,000 | 2,421,000 | 3,814,000 | 5,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,884,000 | 47,128,000 | 48,511,000 | 48,446,000 |
| Total capital | 50,253,000 | 51,625,000 | 53,000,000 | 53,051,000 |
| Risk-weighted assets | 348,941,000 | 359,211,000 | 358,484,000 | 367,852,000 |