Call reports 2025
OCEAN BANK — 2025
What OCEAN 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 | 6,926,798,000 | 7,249,115,000 | 7,395,959,000 | 7,436,315,000 |
| Total loans | 5,442,392,000 | 5,693,514,000 | 5,855,873,000 | 5,976,346,000 |
| Allowance for loan losses | 76,118,000 | 78,994,000 | 81,012,000 | 83,844,000 |
| Securities available for sale | 708,507,000 | 857,338,000 | 868,384,000 | 807,333,000 |
| Securities held to maturity | 179,174,000 | 180,269,000 | 181,330,000 | 182,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,829,220,000 | 6,127,945,000 | 6,294,783,000 | 6,271,808,000 |
| Interest-bearing deposits | 4,124,160,000 | 4,385,497,000 | 4,491,304,000 | 4,536,959,000 |
| Noninterest-bearing deposits | 1,705,060,000 | 1,742,448,000 | 1,803,479,000 | 1,734,849,000 |
| Equity capital | 652,798,000 | 668,356,000 | 693,539,000 | 697,385,000 |
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 | 93,261,000 | 191,618,000 | 294,835,000 | 397,127,000 |
| Interest expense | 38,772,000 | 79,775,000 | 122,693,000 | 163,451,000 |
| Net interest income | 54,489,000 | 111,843,000 | 172,142,000 | 233,676,000 |
| Noninterest income | 7,319,000 | 15,389,000 | 23,273,000 | 32,717,000 |
| Noninterest expense | 41,395,000 | 83,523,000 | 124,376,000 | 170,072,000 |
| Provision for loan losses | 0 | 2,600,000 | 7,100,000 | 9,600,000 |
| Pretax income | 20,442,000 | 40,741,000 | 63,338,000 | 86,963,000 |
| Income tax | 5,178,000 | 10,293,000 | 15,515,000 | 21,461,000 |
| Net income | 15,264,000 | 30,448,000 | 47,823,000 | 65,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 677,204,000 | 692,394,000 | 709,774,000 | 712,459,000 |
| Total capital | 749,780,000 | 768,602,000 | 788,114,000 | 790,327,000 |
| Risk-weighted assets | 5,798,725,000 | 6,089,625,000 | 6,260,056,000 | 6,219,409,000 |