Call reports 2025
BMO BANK NATIONAL ASSOCIATION — 2025
What BMO BANK NATIONAL ASSOCIATION 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 | 257,049,115,000 | 253,742,866,000 | 249,342,469,000 | 252,074,150,000 |
| Total loans | 144,855,830,000 | 142,318,362,000 | 139,192,656,000 | 139,803,132,000 |
| Allowance for loan losses | 2,375,249,000 | 2,317,123,000 | 2,209,168,000 | 2,248,839,000 |
| Securities available for sale | 57,008,942,000 | 57,253,328,000 | 44,065,430,000 | 43,992,418,000 |
| Securities held to maturity | 6,274,844,000 | 5,890,335,000 | 20,169,027,000 | 19,587,482,000 |
| Trading assets | 121,420,000 | 203,940,000 | 137,302,000 | 347,871,000 |
| Total deposits | 202,571,778,000 | 199,266,993,000 | 194,762,480,000 | 196,979,273,000 |
| Interest-bearing deposits | 159,725,538,000 | 155,221,353,000 | 149,876,327,000 | 152,161,781,000 |
| Noninterest-bearing deposits | 42,846,240,000 | 44,045,640,000 | 44,886,153,000 | 44,817,492,000 |
| Equity capital | 35,481,187,000 | 36,163,575,000 | 36,775,634,000 | 37,358,799,000 |
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 | 3,127,543,000 | 6,245,057,000 | 9,348,115,000 | 12,369,138,000 |
| Interest expense | 1,346,588,000 | 2,649,302,000 | 3,904,171,000 | 5,058,745,000 |
| Net interest income | 1,780,955,000 | 3,595,755,000 | 5,443,944,000 | 7,310,393,000 |
| Noninterest income | 388,882,000 | 786,596,000 | 1,197,181,000 | 1,598,226,000 |
| Noninterest expense | 1,249,791,000 | 2,503,052,000 | 3,749,157,000 | 5,049,286,000 |
| Provision for loan losses | 302,096,000 | 343,225,000 | 446,349,000 | 536,616,000 |
| Pretax income | 573,578,000 | 1,495,681,000 | 2,411,416,000 | 3,270,086,000 |
| Income tax | 144,055,000 | 395,212,000 | 639,211,000 | 830,027,000 |
| Net income | 427,760,000 | 1,096,861,000 | 1,766,816,000 | 2,432,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,584,303,000 | 26,089,723,000 | 26,494,832,000 | 26,812,812,000 |
| Total capital | 28,418,433,000 | 28,880,326,000 | 28,738,597,000 | 29,082,920,000 |
| Risk-weighted assets | 186,513,430,000 | 183,362,355,000 | 179,624,818,000 | 181,721,482,000 |