Call reports 2025
BMW BANK OF NORTH AMERICA — 2025
What BMW BANK OF NORTH AMERICA 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 | 12,294,454,000 | 12,280,786,000 | 12,469,104,000 | 12,814,515,000 |
| Total loans | 9,453,279,000 | 9,427,600,000 | 9,456,203,000 | 9,668,309,000 |
| Allowance for loan losses | 38,786,000 | 38,113,000 | 48,034,000 | 48,593,000 |
| Securities available for sale | 307,672,000 | 315,867,000 | 316,058,000 | 319,626,000 |
| Securities held to maturity | 1,928,304,000 | 1,937,849,000 | 2,095,600,000 | 2,219,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,074,760,000 | 7,985,989,000 | 8,069,260,000 | 8,618,246,000 |
| Interest-bearing deposits | 8,074,760,000 | 7,985,989,000 | 8,069,260,000 | 8,618,246,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 1,918,616,000 | 1,738,957,000 | 1,812,164,000 | 1,739,304,000 |
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 | 193,776,000 | 392,569,000 | 596,041,000 | 803,283,000 |
| Interest expense | 100,519,000 | 207,154,000 | 315,589,000 | 424,155,000 |
| Net interest income | 93,257,000 | 185,415,000 | 280,452,000 | 379,128,000 |
| Noninterest income | 33,316,000 | 61,217,000 | 93,792,000 | 121,795,000 |
| Noninterest expense | 21,796,000 | 43,619,000 | 65,437,000 | 88,401,000 |
| Provision for loan losses | 6,232,000 | 10,725,000 | 25,217,000 | 32,486,000 |
| Pretax income | 98,545,000 | 192,288,000 | 283,590,000 | 380,036,000 |
| Income tax | 22,857,000 | 45,972,000 | 68,328,000 | 93,369,000 |
| Net income | 75,688,000 | 146,316,000 | 215,262,000 | 286,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,944,527,000 | 1,764,186,000 | 1,833,132,000 | 1,758,237,000 |
| Total capital | 1,983,313,000 | 1,802,299,000 | 1,881,166,000 | 1,806,830,000 |
| Risk-weighted assets | 11,577,698,000 | 11,566,154,000 | 11,777,084,000 | 12,102,054,000 |