Call reports 2025
FOUNDATION ONE BANK — 2025
What FOUNDATION ONE 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 | 179,739,000 | 180,678,000 | 181,399,000 | 177,816,000 |
| Total loans | 148,419,000 | 149,484,000 | 146,943,000 | 143,752,000 |
| Allowance for loan losses | 1,801,000 | 1,785,000 | 1,795,000 | 1,725,000 |
| Securities available for sale | 24,502,000 | 22,913,000 | 24,748,000 | 25,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,753,000 | 154,399,000 | 154,761,000 | 150,071,000 |
| Interest-bearing deposits | 124,445,000 | 129,715,000 | 128,567,000 | 124,563,000 |
| Noninterest-bearing deposits | 24,308,000 | 24,684,000 | 26,194,000 | 25,508,000 |
| Equity capital | 18,676,000 | 18,827,000 | 19,145,000 | 19,074,000 |
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 | 2,459,000 | 4,997,000 | 7,570,000 | 10,116,000 |
| Interest expense | 1,226,000 | 2,474,000 | 3,713,000 | 4,885,000 |
| Net interest income | 1,233,000 | 2,523,000 | 3,857,000 | 5,231,000 |
| Noninterest income | 57,000 | 125,000 | 153,000 | 216,000 |
| Noninterest expense | 1,020,000 | 2,029,000 | 3,007,000 | 4,053,000 |
| Provision for loan losses | 20,000 | 189,000 | 199,000 | 379,000 |
| Pretax income | 250,000 | 430,000 | 804,000 | 1,015,000 |
| Income tax | 55,000 | 93,000 | 176,000 | 224,000 |
| Net income | 195,000 | 337,000 | 628,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,121,000 | 18,262,000 | 18,554,000 | 18,467,000 |
Machine access — free, no API key
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