Call reports 2025
PREFERRED BANK — 2025
What PREFERRED 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 | 137,752,000 | 133,128,000 | 131,010,000 | 130,782,000 |
| Total loans | 54,539,000 | 57,958,000 | 59,790,000 | 61,448,000 |
| Allowance for loan losses | 464,000 | 477,000 | 486,000 | 501,000 |
| Securities available for sale | 56,366,000 | 55,538,000 | 57,127,000 | 58,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,386,000 | 128,360,000 | 121,894,000 | 119,842,000 |
| Interest-bearing deposits | 85,337,000 | 88,977,000 | 81,349,000 | 80,767,000 |
| Noninterest-bearing deposits | 44,049,000 | 39,383,000 | 40,545,000 | 39,075,000 |
| Equity capital | 4,656,000 | 4,547,000 | 5,875,000 | 6,253,000 |
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 | 1,403,000 | 2,862,000 | 4,272,000 | 5,666,000 |
| Interest expense | 352,000 | 700,000 | 979,000 | 1,220,000 |
| Net interest income | 1,051,000 | 2,162,000 | 3,293,000 | 4,446,000 |
| Noninterest income | 116,000 | 243,000 | 405,000 | 540,000 |
| Noninterest expense | 799,000 | 1,649,000 | 2,464,000 | 3,398,000 |
| Provision for loan losses | 7,000 | 22,000 | 36,000 | 54,000 |
| Pretax income | 318,000 | 689,000 | 1,155,000 | 1,486,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 318,000 | 689,000 | 1,155,000 | 1,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,890,000 | 10,854,000 | 10,900,000 | 10,863,000 |
| Total capital | 11,401,000 | 11,380,000 | 11,433,000 | 11,417,000 |
| Risk-weighted assets | 51,874,000 | 58,062,000 | 59,008,000 | 60,377,000 |